One rule of thumb that you should know about is that you should never invest in something that you do not know too much about, i mean, there are a whole lot of resources available for your to research about this coin you wish you to buy and hodl, but you have not done that, instead you want to invest because you watched some guy's video, and he made predictions about XRP that are quite impossible to happen. Having said that, whilst i don't think XRP will appreciate as high as that, neither do i think they are a good coin for you to invest long term into, i mean, Bitcoin has to be the best option for long term investment, but notwithstanding all of that, take your time and do your own research, and see for yourself if it actually has any future potential.