XRP may be the talk of the crypto world, but its price alone won’t determine investor success. According to Jake Claver, CEO of the Digital Ascension Group, many crypto enthusiasts are entering the market without a clear financial strategy, putting long-term profitability at risk.

Even a major rally in XRP’s price won’t secure wealth for investors lacking a clear exit strategy.

Price Isn’t Everything: The Importance of Planning

In a recent tweet, Claver issued a candid warning to the crypto community, cautioning that too many people are “flying blind.” He urged investors not to celebrate prematurely, stating that even if XRP were to reach $100 per token

, the windfall would mean little if it’s not backed by a thoughtful financial plan.

Claver’s comment comes amid mounting speculation about XRP’s potential long-term value. Yet he maintains that investors who lack defined goals or exit strategies may be left with regret—regardless of how high the token climbs. “Having a target price is not enough,” he emphasized. “You also need a plan for preserving and growing that wealth.”

Lifestyle Inflation and Mismanaged Gains

One of the biggest threats to financial independence, Claver noted, is lifestyle inflation—where investors dramatically increase their spending when their portfolio surges. This behavior, he warns, can erode gains just as quickly as they’re earned. Without guidance or planning, many XRP holders may miss their window to convert profits into lasting financial security.

Rather than focusing solely on the price chart, Claver advises building comprehensive wealth strategies. These plans might include tax optimization, portfolio diversification, risk assessment, and long-term investing principles that outlast market cycles.

Crypto Enthusiasm vs. Financial Literacy

The broader crypto market is populated by highly optimistic investors who often enter positions based on emotion rather than due diligence. Claver’s warning cuts through this hype by stressing that enthusiasm alone doesn’t build wealth. Financial literacy, he argues, is the missing ingredient for most retail XRP investors.

This message aligns with a growing sentiment across the crypto industry—that success isn’t about predicting prices, but about being prepared for multiple outcomes. Whether XRP goes to $10, $100, or reverts, the takeaway remains the same: have a plan or risk losing it all.

Why Claver’s Advice Is Timely

Claver’s remarks come at a time when XRP continues to face significant speculation around its utility and growth trajectory. Following recent legal and institutional developments, confidence in XRP as a blockchain-based settlement asset has grown. Still, real financial returns will ultimately come down to strategy, not speculation.

With increasing mainstream interest in cryptocurrencies, many new investors are likely entering the market with unrealistic expectations. Claver encourages them to rethink this mindset, urging them to consider what comes after the pumps and surges.

For those serious about building wealth through XRP or any crypto asset, the message is clear: focus on what you’ll do with the gains, not just when prices rise. Without a roadmap, even a six-figure investment may wither into missed opportunity.

Related: XRP Price: $12M Max Pain for Bears

To explore Claver’s original statement and analysis, you can read the full article here.