XRP Windfall Plan: 16 Mistakes to Avoid If XRP Runs

Picture this. XRP finally runs. The one you've sat through every lawsuit, every dip, and every it's dead headline for, and the number on your screen changes your life. Your money finally worth something serious. Brilliant.

You'd finally have the freedom you've been grafting for, but there are 15 things that can take every penny off it straight back off you, and hardly anyone talks about them. So, that's what we're doing. 15 things not to do if it runs. I'm Rory. This is Bull Runners.

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If you're holding a bag right now, this one's for you. Making the money is the easy bit, believe it or not. Holding onto it is where it goes wrong. It's the same story every cycle. People make it, then hand the lot straight back inside a couple of years.

Clever people, loads of them, tripped up by a handful of mistakes you can see coming a mile off, and every one of them is on this list. Number one, don't post it. Don't screenshot the balance. Don't post the wallet address. Don't tell the group chat.

The quickest way to lose your peace, your privacy, and your safety is to let people know you've got money. And with crypto, it's even worse, because a screenshot of your balance next to your wallet address tells a total stranger what you've got and where it sits. Anyone can look that address up in about 10 seconds. You've basically handed them your bank statement. And this isn't paranoia.

On the 21st of January 2025, the Ledger co-founder, David Balland, and his partner were taken from their home in France. The kidnappers cut off one of his fingers and sent the video to a fellow co-founder with a ransom demand in crypto. Police got him out the next day, and he was one of 72. That's how many physical attacks on crypto holders a security firm, CertiK, verified in 2025, up 75% on the year before. And France alone had 19 of them.

Listen to one French crypto millionaire after somebody tried to kidnap his wife.

This crypto millionaire built a following on social media, but is abandoning it after the attempted kidnapping of his wife.

Today, I'm hyper-vigilant and stressed for my family. There was no solution except to quit social media.

hyper-vigilant. And the only way out was quitting social media altogether. So, what do the people who keep it do? They keep it quiet. A tiny circle knows.

The person who shares your life and the professionals you trust with it. Everyone else gets nothing. Spend a bit, enjoy it absolutely, but the less anyone can see, the better. And that goes for your family social media, too. 30K even put part of it down to people showing off online.

So, if you've ever posted a balance and loads of us have, just take it down. 5 seconds, done. Number two, don't put off the paperwork. This one quietly does more damage than any bear market. The day it runs is the worst possible day to start digging through four exchanges and an old laptop.

So, keep a record of everything you've bought and moved, and I'll keep the rest simple because I'm not a tax advisor and every country's different. Get a properly qualified professional on it early, before any big move, not after. Here's a lottery lawyer who spent years doing this for people who came into money overnight.

And what I found out over the course of helping people all these years is there's a big difference between a claim and a plan.

A claim and a plan. Most of us have the first bit sorted. The coins are there in the app, but the plan's a blank page, and that's the bit that decides how much of it you actually keep. Early on, my own bank stopped my deposits into crypto until they'd had a chat with me about the risks. Annoying [snorts] at the time, but it taught me that the system wants to know your story.

And I've had a taste of this myself. A transfer of mine was once held for a whole week until I explained to the bank where the money had come from. My own money, and I had to prove where it came from. If your records are sorted, that's a 5-minute email. If they're not, it's a horrible week.

Number three, don't quit your job on the day. I know, this is the daydream. The bag runs, you walk into your work, and you tell your boss what you really think of him. And plenty of people who come into money just do that. In 2019, a factory worker from Hereford called Ade Goodchild won 71 million pounds on the Euromillions, and he packed his job in.

Listen to how he described it to ITV.

Presumably, one of many lessons this self-described poor man is going to learn as a multi-millionaire.

Now, I don't have to do what I'm told. I'm free. I'm a free man.

Mhm.

It's like being let out of prison, to be honest, in some respects.

Like a prison, he said. I think loads of us know that feeling. And with 71 million in the bank, fair play to him. But most of us won't be holding anything like that. And with crypto, the number can move a lot faster than a lottery check.

So, real freedom is knowing you could walk out any day you fancy. But before you go anywhere, make sure what you've achieved can carry on your life month after month and keep growing, and isn't just a big number on a screen that could be half the size by next month. Kicking it out for 1 month, 3 6, while you get it properly set up, costs you almost nothing because you already know you can go whenever you like. And funnily enough, a lot of people find they quite like the job once the bills stop being scary. If you do go, go properly.

Give your notice, help them replace you, and leave on good terms because you never know who you want to discuss business with later. The ones who flame out are nearly always the ones who left in a rush and then needed something from the people they burned. Number four, don't let the money split your relationship. Money doesn't break couples on its own. What breaks them is wanting different things and a big win turns the volume up on all of it.

Every insecurity, every ego, every different idea of what the next 10 years look like. If you're with someone who sat through all with you, the nights you were glued to the chart, the times they asked why on earth you weren't selling, they've earned a seat at the table. So, before you do anything, sit down together. What do they want? What do you want?

Where do you both want to be in 5 years? Get on the same page first, then make the moves together. And be honest about the scary bits, too, like how much you'd be happy to see it drop before you do something. Couples don't fall out over the plan nearly as much as they fall out over the surprises. Because if it does go wrong, a split can take a huge chunk of it and nobody wins that one.

Number five, don't upgrade anything before you upgrade your thinking. If you're still thinking the way you did when the money was tight, you'll spend it like the moment it isn't and it drains straight out the bottom. Before the car, the house, and the watch, upgrade what you know, who to listen to, and your discipline. And we've all got a version of this. We skimped, we skipped nights out, we put every spare quid in the back.

So, when it finally pays, the urge to treat yourself is massive and fair enough. But here's a man who had all the help in the world and still lost a lot. Antoine Walker was a three-time NBA All-Star and he sat down with Bloomberg to talk about what went wrong.

So, Dan had that conversation

Well, I had a financial advisor, I had a guy that was handling my money, but as any young um arrogant kid, um I didn't want to listen to him. I kind of took things in my own my own matter and made sure that I did what I wanted to do with my money. So, I was advised a little bit, but I I definitely took things in my own matter just through my own um being my own ego.

He had an advisor and he had the money. What he didn't have yet was the mindset and by his own account, that cost him. Lifestyle creep is what gets people. You earn more, you spend more and somehow you're always right at the edge. The people who stay wealthy tend to live on a lot less than their money brings in, and they let the spending catch up slowly, years behind the income.

So, enjoy it, absolutely, but get your thinking and your setup sorted first. So, the lifestyle's paid for by what your money earns, and the pile itself stays put. Number six, don't let excess take the wheel. Nobody likes this one, but it doesn't get talked about enough. Drink, drugs, and endless late nights don't mix with keeping hold of serious money.

A clear head is your edge, and if it runs, there'll be plenty of people waiting for you to lose it. Think about who turns up when someone's flush. The mate who always knows a bar, the new crowd who suddenly want you out every night, the people who are a lot more fun when you're paying. None of them mean any harm most of the time, but every decision about your money still has to be made by you, and it has to be made with a clear head. Sometimes on a Sunday morning when the market's moving, and you'd rather be in bed.

Most of us look after the car better than we look after ourselves. It gets a bit of service every year, and we never check a single thing about our own health. And a lot of the time, the excess comes from having nothing to aim at. Once you've got something you're building towards, you don't want anything blunting you. I've been liquidated on a Bitcoin trade before.

I laughed, shut the laptop, and went for a walk. That's the head you want, because the next decision is the one that matters. So, keep the good times as the treat, not the routine. Number seven, don't buy the dream house and the car collection first. Big houses and exotic cars lock your money up, cost a fortune to run, and take away your options.

If it's all tied up in bricks and a garage, you can't move when the next opportunity turns up. And with crypto, the next opportunity usually turns up in a crash, right when you need the cash. A house that cost you a fortune every month is a lot less fun when your bag's halved. I'm not saying never treat yourself, have the trophy, but get the things that pays you before the thing that costs you, And let what it earns cover the fun. Here's that lottery lawyer again on the first thing he tells people who've just come into a fortune.

I mean, generally people understand certain certain parts of it and you know, the first thing I tell them is you don't have to you don't have to sell your house and move. You know, you don't have to bring any attention to yourself. Um you can keep your house.

You don't have to move and you don't have to draw any attention to yourself. And notice how that ties straight back to number one because the big house is the loudest post you'll ever make. The whole street sees it. Number eight, don't get yourself into legal trouble. Money attracts attention and every shortcut, every gray area, every I'll sort it out later gets louder once there's a lot of it.

So, keep it clean, keep a record of everything and play the long game. The easiest legal problem to deal with is the one you've never walked into. So, skip the dodgy deals, skip the mate's mate who can get you a better rate off the books, and skip anything you'd be embarrassed to explain to a stranger. If something does come up, that's what proper professionals are for and it's one more reason to have them lined up before you need them. And watch the people around you, too, because if it runs, some of them will want your name on things.

Their business, their opportunity. Your name on someone else's mess is still your mess. Clean money is boring money and boring is what keeps it. Number nine, don't try to fix everybody's life with money. Wanting to look after the people you love is a lovely instinct.

But money handed out with no plan tends to make people lean on you, then resent you, then come back for more. Real help isn't a bank check. It's teaching, it's opening a door, it's backing something that's properly thought through. And it creeps up on you because it starts with good intentions. Here's Antoine Walker again on what it looked like for him.

We would go on lavish trips. I mean, we would go on vacation together. We would go to Cancun, we would go to Puerto Rico. We would go, you know, different places in throughout the United States. And and I would travel with a big group of guys.

I would travel with eight to 10 people with me and pay for their flights, hotel rooms, um eating on the road. So, you had all those combination of things and I always used to have real big bills at the end of those trips.

Eight to 10 people, flights, hotels, food, every single trip. He wanted his mates to see the same life he was living, which is a lovely thought, and it was one of the things that emptied him out. So, when the request comes, and they will, but have a way of handling them before they arrive. Decide in advance how much a year you're happy to give away and treat it like a budget. So, when it's gone, it's gone, and nobody has to take it personally.

Separate gifts from loans in your own head because a loan to family has a funny way of turning into a gift anyway. And give yourself a rule that nothing gets decided on the spot. Say you'll think about it, sleep on it, and come back in a week. Something written down, so it's never just you on the spot at the kitchen table. If someone wants backing for a business, they'll show you a proper plan, the same as they'd show anyone else.

Your money should be helping people move forward, and having a system means you can say no without it turning into a family row. Number 10, don't assume you'll never be skint again. Markets go in cycles, and euphoria never lasts. If XRP runs and you've got no plan for it, you can make a fortune on paper and walk away with nothing to show for it. And this isn't a dig at XRP, it's what every single run does.

XRP hit a record high in July 2025, and by February 2026, it was trading more than 60% below it. And all the while, Ripple kept building. On the 13th of November 2025, the first spot XRP ETF started trading in America. The tech kept moving forward. The people with no plan just watched the number come and go.

I've done this myself, as I'm sure a plenty of us have. I rode Dogecoin all the way up and never took a penny of profit on the run. Not a penny. And all through 2022, I checked my bag every single day, pulled a bit out to buy back lower, and never got the price. We've all got one of those, and I've owned up to mine.

And it's in the research, too. Researchers tracked Florida lottery winners who'd won between 50 and $150,000. And within 5 years, they were just as likely to go bankrupt as people who'd won under 10 grand. The money only pushed the problem back. A crypto investor lost a big chunk in the Terra crash in 2022 put it better than I can.

at risk. The second thing is that we need to be able to measure our portfolio value in terms of the bottoms, not the tops.

Measure your bag by the bottoms, not the tops. Honestly, that line's worth the whole video. So, decide now, while you're calm, what you'd really do if it ran. What would you keep? What would you move?

And at what point? Write it down, because the day it's flying, you'll be the least calm you've ever been. Number 11, don't put everything in one place. A big win makes you feel like you can't miss, and that's exactly when people bet the lot on the next thing. Having everything in one spot feels brave until the one spot goes wrong.

Spreading it out is how you stay in the game long enough to enjoy any of it. Think about it like your eggs in your basket. If one basket goes, you're upset. If your only basket goes, you're starting again from zero. And it applies inside crypto as well as outside of it, because when the market drops, most coins tend to drop together.

So, 10 coins on one app still counts as one basket. And with crypto, there's a version of this that hits even harder, and that's leaving your whole bag on one exchange. Because if it's on an exchange, it's in their wallet under their keys, and you're trusting them to hand it back whenever you ask. Most of the time they do. The one time they don't is the one time that counts.

On the 8th of November, 2022, FTX stopped processing withdrawals. People who'd been in crypto for years, who'd done everything else right, press a withdraw and watch nothing happen. Here's one of them.

all withdrawals of all my assets, but none of them completed. None of the withdrawals ever came through. You're just helpless, [music] like what do I do? I was just in so much shock that that could happen.

I had a huge amount of money, obviously, on the exchange. And I thought, "Okay, there's something wrong. How How can Why would he stop withdrawals?" Because an exchange is if everyone takes the money out, all that's what should be left is the exchange assets.

Helpless.

That's the word. I had nothing on FTX myself, thankfully. But I remember watching it unfold and feeling sick for people who did. So, what do the people who keep it do? They spread their risk, and they hold what matters on their own keys.

So, nobody else gets to decide when they can have it. Here's one for free. Open whatever app your XRP sits on. If you log in with an email and a password, the exchange holds the keys, not you. Just knowing that puts you ahead of most people, and it's not about panicking and moving everything tonight.

It's about knowing where it is, who holds the keys, and having a plan you've thought through. Number 12, don't be the family's cash machine. You didn't build this to be everybody's emergency fund, and once you take that job, it never ends. Help people on purpose, not on reflex. That's where the system from number nine pays off.

If someone needs something, there's a way to ask, and there's a line everybody knows about. Because if it's all on you, right there at your fingertips, you'll end up handing it over just to dodge an awkward conversation. And every time you do, you're teaching people that asking louder works. And it's not just family, it's the old mate who suddenly needs a loan, the cousin with a business idea, the neighbor who heard. Have the same answer for all of them, and say it kindly.

Boundaries are what let you keep helping for years instead of months. Number 13, don't lose your purpose. This is the one nobody sees coming. You spend years working towards a run, then it happens, and suddenly there's nothing to get up for. That's when people drift, and drifting with a lot of money is expensive.

When my first proper trading payout landed, I spent 3 months in a villa in Cyprus, and that was brilliant, but it was brilliant because I had something I was building to come back to. The people who drift are usually the ones who only had one goal, and the goal was the number. So, pick the next one before you hit this one. Keep something on the go, a business, a project, learning something new, helping other people do what you've done. Money's a great tool, but it makes a rubbish reason to get out of bed.

Number 14, don't try to win back lost time with one big bender. You can't buy back the years you spent grafting with the 6-month party, and it's the same itch in the markets. That terror investor from earlier spotted it in loads of people around him.

A lot of the fever that got on was actually investors who [music] had a preconceived notion that oh, they used to be a millionaire, for example. So, a lot of them were trying to buy [music] the next big thing to get back their millionaire status. So, that's actually one of the big reasons why a lot of people under rich and were buying Luna [music] on debt and depositing it in Anchor.

Chasing the next big thing to get back a status they'd had on paper. Whether it's a party or a punt, it's the same thing, trying to grab back time in one go. Trips, nights out, blowouts, none of it replaces having a life you actually want to wake up in. Put your health first, then the people you love, then something worth doing with your days, whatever that is for you. Get those right and you can have as much fun as you like around the edges because the bender always ends, and when it does, you're the same person you were before it, just with less money and a worse head.

Number 15, don't build an entourage when what you need is a team. Your mates aren't your advisers. You don't need a cheer squad. You need people who properly know what they're doing on the tax side, the legal side, and the money side, and the people who tell you the truth when you'd rather not hear it. The right people guard what you've got, the wrong ones spend it for you.

And the difference is easy to spot once you look for it. A team tells you no, an entourage only ever says yes, because yes is what keeps them the free trips coming. Here's the lottery lawyer one last time.

You know, leave it to the professionals to do their job. Um you've already won the money. Bring the right person in to put the team together and then and then let someone like with a lot of my clients that win big amounts, I oversee their statements on a regular basis. So, I make sure I get electronic copies of them so that anytime I can just look at to make sure everything's going in the right direction.

Put the team together. And here's a bit people miss. Do it before the run, not after. Because if it runs, people start turning up with their own reasons and it gets really hard to tell who's there for you and who's there for the money. Most of us get this wrong and it's not on us because nobody ever sat us down and showed us.

I know what the right people around you can do because I've lived it. When I started trading, I went off fast. Then I hit a 6-month low when nothing clicked and it was data and a mentor that turned it around at the start of 2021. On my own, I'd still be guessing and it's fixable and it's easier than it sounds. And since you've stuck with me this far, here's a bonus one.

Number 16. Don't confuse attention with love. Attention feels great, but most of it is transactional. It's the quiet months when nothing's moving and nobody's asking for anything that shows you who was there for you. I had this one the other way around.

When I started out, my mates called me an idiot for being in crypto. When it started working, we were best mates again. And in the dip, a couple of them were offering their condolences while I was still doing fine. It taught me a lot about who's watching and why. And remember our factory worker from Hereford?

He had this one sussed on day one.

Anybody that I think that I couldn't have pulled when I was poor [laughter] has got no chance, basically. Cuz I haven't suddenly become more attractive overnight. Just my wallet has.

He hasn't got more attractive overnight, his wallet has. And I love that because he's spot on. What you want around you are people on the same level who've got their own money and their own plans and need nothing from you except a decent conversation. People doing the same thing you're doing. That's what a private intelligence network is for, guys.

Most of what I bring you on this channel comes from inside it, and in there it goes a lot deeper than I can in one video. Basically, the research team digs into where this is all heading, and members hear it first. They'll help you get it on your own key, so no bank or exchange can freeze it, and show you how to get what you're already holding earning instead of just sat there. And every week there's a call where the team says when they're buying and when they're taking profit, so you're not guessing. And everyone in there is holding a decent bag and in it for the long haul, same as you and me.

So, nobody in the room needs a penny of yours. Honestly, I'd be a lot further along myself if we'd started Altcoin Pro sooner. Now, most of us know what it's like trying to do all of this on our own at midnight, 15 tabs open, and nobody to ask. One of our members was right there, and this is what he wrote after joining. This is a real review in his own words.

He says if he can give it 10 stars, he would. He calls it an investment, but reckons what he's learned is easily 30 times what he'd spent. And those are his words, not mine. James is his coach. He'd spoken directly with Ryan and with Nick, and he calls them wizards.

Ryan's taken call after call from him on his own time, and James has gone the extra mile to make sure he's been successful. Now, results like that are exceptional, and they didn't happen by sitting still. So, be exceptional. Look, you could leave it and hope the timing works out, or try and piece all of those 16 of those together yourself at midnight like we all have. I'd rather you just spent 15 minutes with the team and came away with a plan for your bag.

It's free, and the worst case scenario is you come away clearer. So, here's what I do. Tap more under this video and hit the very first link. Watch the short free briefing, then hit the button underneath it, fill in the quick form, it takes under a minute, and book your free 15-minute call with someone on the team. They'll look at what you're holding and tell you straight whether it's right for you.

That's the first link. It's built for people holding $50,000 or more in crypto, and if that's not you yet, that's absolutely fine. Keep watching these videos with me. They're up every day, and they're free, and we'll keep learning this together. And whatever happens with your bag, keep the real ones close.

The people who were there before the run are the ones worth having there after it. And look, none of this is financial advice, guys. It's just me, a coffee, and a lot of hard research. Crypto carries risk and what's happened before is no guarantee of what happens next. Your keys stay with you and the team never ask for them.

So, stick with me, hit subscribe, and there's a new one everyday. So, that's my 16. What would you add to the list? What's the one thing you tell a mate on the day their bag finally runs? Tell me in the comments.

Thanks for watching, guys. Keep your head, stack with purpose, and I'll keep you posted.

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