- Armando Pantoja says true wealth with $1M in XRP comes from yield, not principal—live off 10% annually for stability.
- Diversify crypto holdings, use cold storage, and reinvest profits into income-generating assets to build lasting wealth.
Angel investor and XRP advocate Armando Pantoja has outlined his approach to securing long-term financial freedom using cryptocurrency. His strategy focuses on wealth preservation, not just accumulation.
He stresses that having $1 million in XRP does not guarantee stability without smart profit management. Instead, he promotes disciplined financial planning, passive income generation, and diversification.
Managing XRP Profits Without Depleting Capital
Pantoja explained that investors with $1 million in XRP should only consider themselves worth 10% of that amount annually. He said wealth should be measured by the income generated from capital—not the capital itself. In his words: “You’re only worth the profit you generate off the principal.”
So, you make $1,000,000 in $XRP $BTC $DOGE $ETH or any other crypto.
What's next? How do you turn that one big win into a lifetime of wealth?
Here are 4 secrets that helped me: pic.twitter.com/SIzSIqiUwe
— Armando Pantoja (@_TallGuyTycoon) March 26, 2025
He urged investors not to chase quick profits or spend the entire portfolio. Instead, he advises treating the principal as untouchable. His recommendation is to live off yields and reinvest profits rather than cashing out core holdings. This method aims to extend financial stability over decades, not just years.
To protect crypto assets, Pantoja strongly recommends transferring long-term holdings to cold storage. He warned that leaving funds on exchanges exposes them to security risks and market volatility. Holding in cold wallets reduces the chance of loss from hacks or exchange failures.
Building a Balanced and Secure Crypto Portfolio
Pantoja highlighted XRP as a strong base for long-term wealth but advised against relying solely on one asset. He suggested diversifying into Bitcoin for stability and Ethereum for passive income via staking. He also named Stellar (XLM) as another viable asset to include in a diversified portfolio.
He emphasized that wealth is more secure when distributed across reliable cryptocurrencies. According to Pantoja, Ethereum allows users to earn returns through staking on trusted platforms. He views diversification as key to minimizing exposure to asset-specific downturns.
To further reduce risk, Pantoja advocates taking loans against crypto holdings instead of selling them. This strategy allows investors to unlock liquidity without triggering taxable events. He recommended reinvesting that borrowed capital into real-world income-producing assets such as dividend-paying stocks, rental properties, farmland, or REITs.
Expanding Wealth Through Business, and Tax Planning
In addition to crypto strategies, Pantoja advised using legal tax shelters to protect wealth. He pointed to LLCs, trusts, and IRAs as tools to reduce tax liability and preserve capital. He also recommended crypto IRAs as a way to grow holdings tax-free over time.
He further encouraged investors to consider starting businesses that can generate consistent monthly income. Pantoja stated that well-run businesses can bring in $6,000 to $15,000 per month, supporting long-term financial independence. He noted that wealth creation is not just about assets—it’s also about building structures that generate income.
In his final remarks, Pantoja stressed discipline. “They live off the yield and never consume the principal,” he said, referring to how the wealthy manage money. He explained that success lies in growing capital without spending it and maintaining consistent income over time.
Meanwhile, market analyst Edoardo Farina, founder of Alpha Lions Academy, also shared his experience with XRP. He credited dollar-cost averaging (DCA) as the method behind his crypto wealth. As discussed by ETHNews, Farina stated that buying small amounts of XRP over five years helped him build substantial holdings.
Despite XRP’s early 2025 challenges, Farina remains optimistic. He projected a 12,000% return, forecasting XRP to reach $300 in ten years. His belief in XRP’s long-term value supports Pantoja’s thesis of building wealth through consistency, patience, and strategy.
