Cobb (@Cobb_XRPL), a well-known voice in the cryptocurrency community on X, recently posted an image from the XRP subreddit featuring stories of minors investing in XRP. Cobb commended this behavior, stating that buying XRP as young as 12 would make people get rich and retire before turning 21.
His post draws attention to the widening demographic of crypto investors, as the potential gains from early adoption appear to any parent looking to build wealth for their children.
Imagine consistently buying XRP starting from the age of 12
By the time you’re old enough to drink you are already retired pic.twitter.com/d572Y4uwkq
— Cobb (@Cobb_XRPL) May 20, 2025
XRP’s Appeal to a New Generation
The Reddit thread features a parent proudly noting their 12-year-old’s interest in XRP after witnessing their initial $100 investment quadruple. The parent states that the child is now asking to invest an additional $400, calling it a moment they wished had been available to them in their youth.
Another user responded with a similar story, revealing that their 17-year-old purchased 700 XRP using allowance money shortly after the U.S. Securities and Exchange Commission (SEC) filed its lawsuit against Ripple in December 2020. At that time, the digital asset had an average price of $0.2193, with 700 XRP costing $153.51. At the current price of $2.32, that investment has risen by more than 10x to $1,624.
What makes these stories even more noteworthy is the timing and apparent understanding of market movements shown by these young investors. The 17-year-old who purchased XRP the week after the lawsuit was filed made that decision during a period of uncertainty when many others were pulling out of the market.
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While financial literacy among youth is often limited, platforms like Reddit and X have become informal learning environments where investing is discussed with real-life examples, and young individuals are introduced to digital assets and their potential.
XRP’s Remarkable Growth Over the Years
Despite challenges over the years, XRP has been a persistent presence in the crypto space. A recent analysis showed that XRP climbed by 490% between 2022 and 2025 while Bitcoin rose by only 10%.
Its ability to outperform the top assets in the market has made it appealing to long-term investors. The potential for a 12-year-old to begin investing and accumulate wealth over a decade is real, especially in a market as volatile, fast-moving as cryptocurrency. Experts have called XRP a sleeping giant. It could be the right path to early retirement for these young investors.
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 urged to do in-depth 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.
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