Right now XRP is not being traded due to the SEC ruling. But, there is DOGE. It's cheap and there is the possibility it will be backed by gold. Even if you only had $10 to invest with the current price of .69, you could buy 15. If the coin increases in value to $10 each, you would have made $140. Now it it goes to $100, you would have made $1,400 on a $10 investment. At those prices, I don't know who can't afford to invest