Holding 20,000 XRP guarantees financial freedom? This statement has sparked quite a debate in the community. Experienced players point out that this calculation overlooks a key issue—the long-term holding costs and inflation pressure can quietly erode your returns. The true threshold for financial freedom usually requires an asset scale of $5 million to $7 million, and simply counting the number of coins is far from enough.

Of course, some also believe that 50,000 XRP is a more reasonable goal. But there's a more easily overlooked point: compared to blindly stacking coins, learning disciplined financial planning, understanding market cycles, and mastering risk management are the real keys to success. Merely pursuing quantity stacking is less effective than doing your homework thoroughly. Investing is never just a numbers game.