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Expert Shares How to Make and Keep $1,000,000 in XRP Without Going Broke
March 29, 2025
XRP
Angel investor Armando Pantoja recently shared his advice on making, preserving, and growing a million dollars in XRP without risking financial ruin. In a tweet, Pantoja outlined a strategy for securing long-term wealth through XRP and other digital assets. He emphasized the importance of managing profits rather than getting caught up in the excitement of a big win.
“You’re only worth the profit you generate off the principal,” he explained, stressing that reaching seven figures in one’s crypto portfolio doesn’t necessarily equate to true financial security. According to Pantoja, one is only truly “worth” 10% of that value annually.
Building a Solid Crypto Strategy with XRP
To build lasting wealth, Pantoja recommends making XRP the cornerstone of your crypto strategy. However, he cautions against putting all your eggs in one basket. Pantoja advises diversifying with other established cryptocurrencies like Bitcoin and Ethereum. According to him, Bitcoin provides security, while Ethereum enables users to earn passive income through staking. He also suggests diversifying into other cryptocurrencies, such as XLM, to gain broader exposure to the market.
Meanwhile, Pantoja recommends moving long-term holdings into cold storage and keeping crypto off exchanges to safeguard assets. He stressed that leaving tokens on exchanges can expose them to hacks and market instability.
Leveraging Passive Income Streams for Growth
Once the principal is secure, Pantoja urges investors to focus on creating multiple passive income streams. He highlights the importance of staking cryptocurrencies (like Ethereum) on trusted platforms to earn a reliable yield. Additionally, Pantoja recommends borrowing against one’s crypto holdings instead of selling them. This allows investors to secure liquidity without incurring tax penalties.
With that liquidity, Pantoja suggests investing in income-generating assets such as real estate (short-term rentals, multi-family units, or farmland), dividend-paying stocks, or real estate investment trusts (REITs). These assets will provide a steady income stream while preserving the initial investment.
Shielding and Multiplying Your Wealth
Furthermore, Pantoja advises investors to utilize tax-efficient structures such as LLCs, trusts, and tax-advantaged accounts like IRAs to protect and multiply wealth. He also recommends crypto IRAs as a legal way to shield assets while they grow.
Pantoja’s ultimate piece of advice is to use capital to build a business that generates consistent income. In his view, building the right financial structure could generate $6,000, $10,000, or even $15,000 a month. In his parting words:
“This is how the wealthy play the game. They live off the yield and never consume the principal. They never confuse one big win with long-term wealth. Anybody can make a million. Very few know how to keep it.”
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