Most people are intimidated by crypto and don't feel comfortable trying to learn. But watching a few YT videos can give a broad outline, enough to understand the basics. That's how I first learned that it the potential to be a great investment. So II invested about $800 to buy a few thousand XRP with the idea that if it goes to $1K in value I'll be a millionaire. That's a lot more realistic than my dream of building a time machine so I can go back to 1983 and buy 100 shares of Apple stock.
The investment potential of XRP becomes clear when you understand how it differs from other crypto, like Bitcoin. The relationship between those two is similar to that of Napster and Spotify. Napster pioneered the process of downloading music, but it was old tech by the time other apps appeared, like Spotify. XRP was designed for currency transfer, and its lightning fast speed is its biggest asset. And as far back as 2019 BRICS nations were actively seeking a unified payment system using crypto.