Regarding XRP and financial freedom, many people make a fatal mistake: they start dreaming from a number instead of beginning with a plan.

When I see someone claiming "XRP reaching $1 will lead to financial freedom," I just want to say—this probability might be even lower than winning the lottery. Why? Because most people haven't even considered three things.

**First, the time cost.** XRP's price movement is like a roller coaster, with historical volatility being crazy. You have to ask yourself, how many years are you willing to wait for this number to be achieved? Can you hold on during that period? During the 2020 crash, how many people sold in panic?

**Second, market competition.** Your focus is on XRP, but other competing coins are also rapidly iterating. New projects, new tracks, new policies can change the game at any time. Market attention is limited, and it's normal for popularity to be dispersed.

**Third, your psychological resilience.** Can you endure the bear market without selling? This is even harder to control than the coin price itself. Many people end up not because they can't make money, but because they lack the faith to hold on until that moment.

Instead of obsessing over a target price, it's better to think differently: use sustainable indicators like "monthly passive income covering daily expenses" for planning. This approach is both scientific and reliable.

There's also an interesting detail—Ripple itself doesn't promote XRP as an investment target. They are genuinely focused on cross-border payments. This alone says a lot. So, those chasing quick gains and dreaming of getting rich overnight should reflect on their mindset.