Planning for retirement depends heavily on how much income you’ll need after leaving the workforce. This amount is different for everyone, but financial advisors commonly suggest replacing about three-quarters of your pre-retirement income. For someone earning close to the U.S. average salary of $67,000, that would mean needing around $50,000 per year. Accumulating enough savings to meet that target varies. Several surveys provide benchmarks. One widely accepted model by Fidelity suggests saving an amount that’s roughly ten times your annual income by the time you retire. For someone earning the 2024 average U.S. salary of $67,920, this approach implies building a retirement fund of around $679,200. Northwestern Mutual’s recent study puts the average retirement goal at roughly $1.26 million. In contrast, Charles Schwab’s 2024 estimate places the ideal retirement fund closer to $1.8 million. Regardless of the figure, most people aim to build at least $1 million over time. However, these estimates reflect costs in high-income countries. In lower-cost regions, the required amount for a comfortable retirement could be far lower. Still, the $1 million milestone remains a popular aspiration due to the flexibility it can provide. How XRP Fits into the Picture For those exploring digital assets as part of their retirement strategy, XRP is often viewed as a potential high-return investment . The key question is whether a moderate investment today could grow large enough to support retirement by 2040. Holding 100,000 XRP could yield $1 million if the token reaches $10 . But such a purchase would cost over $200,000 today, which is well beyond the reach of many retail investors. More realistically, some consider holding 10,000 XRP, which would cost around $20,700 at the current price of $2.07. If the digital asset were to climb to $100 , that investment would become a seven-figure portfolio. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 XRP Forecasts That Fuel Optimism According to projections from the crypto exchange Changelly, XRP may rise significantly over the next 15 years. They estimate the token could hit $170 by early 2040 and possibly reach $1,474 by year-end. At that rate, a 10,000 XRP holding could be worth more than $14 million. If that upper-end prediction came true, even a smaller position could be enough. For example, 700 XRP, currently valued near $1,500, would cross the $1 million mark at $1,474 per token. Experts believe holding just 10,000 XRP will soon be impossible for most retail investors, and getting in early could be a life-changing decision when 2040 comes and the price has soared to unexpected heights. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Here’s How Much XRP You Need to Buy Now to Retire By 2040 appeared first on Times Tabloid .
