I still remember October 2022. Life was really tough at that time. The economy was just starting to recover after COVID, the prices of everything were going up, and I was looking for a way to stabilize my life. When the government announced that I could withdraw RM10,000 from EPF Account 2, I felt relieved… but at the same time, I knew that it was not money that could be wasted.
Many people use it to pay off debts or cover family expenses and those are all the right choices. But for some reason, my heart whispered something else. There was a little voice inside me that said, “it’s better to buy now, later it will go up and I will regret not buying it”
So I made the bravest or stupidest decision, some people say. I invested all of the RM10,000 into XRP. At that time, the price was only USD0.32, the market was in a bad place, and many said that crypto was not going up at that time. Some said I was crazy. Some said I needed to keep quiet. But I held on to everything because I was sure in my heart that the financial system would change in the future.
I held on for over two years. There were nights when I thought about it, feeling stupid for making risky decisions when the economy was in a bad place. There were times when I was angry with myself for not using the money for “safer” things. But every time I felt like selling, I remembered when I pressed the “Buy” XRP button, when I promised to “DIAMOND HAND”
Then came July 2025. That day I opened a crypto app like usual, I was shocked to see it. XRP had reached around USD3.60. My heart felt like it was gone. My hands were shaking. Slowly I counted… and at that time, my tears really flowed.
The RM10,000 EPF money I withdrew two years ago has now become more than RM100,000.
Not because I’m a genius. Not because I’m good at marketing. But because during the most difficult times in life, I dared to make decisions that others were not willing to make.
And that day, I learned something: Sometimes, God presents opportunities in the form of risks, we just have to have the heart to take the step.
