A seasoned XRP community member questioned the claim that holding 20,000 XRP can guarantee financial freedom, arguing that long-term costs and inflation will erode its value. He pointed out that true financial freedom typically requires assets of $5 million to $7 million and emphasized that disciplined financial planning is just as important as token prices. While some advocate holding 50,000 XRP for greater investment opportunities, others stress that sustainability and relevant knowledge are more important than mere accumulation.