Oops. The market started spiking recently, and I panicked. I had that familiar, sickening thought:“I don’t have enough XRP.” So, I bought it at $2.30.

As of this writing, it’s hovering closer to $2. My average buy price is 1.39, but still. I bought on a green day. Again.

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And if you’ve been around the block in crypto, you probably know what that means: I bought emotionally, out of FOMO, and at the top of a wave that’s since rolled back. I don’t love this tendency in myself – it makes me feel like the stereotypical retail investor everyone warns about.

But I’m also trying to understand it. Because if I’ve learned anything through all my years of self-education, conversations, research,…