just found out david schwartz, ripple's CTO, deliberately didn't go all-in on XRP like his co-founders did lol. while chris larsen's net worth hit $54B and brad garlinghouse got close to $10B during the 2018 pump, schwartz took a 2% company stake and salary instead. wild choice in hindsight right? forbes had him at around $90M back in 2019, and by 2021 he said his david schwartz net worth was still well below $170M. guess the volatile crypto holdings thing works both ways - good gains but also risky. he's holding BTC and some altcoins too according to him. honestly kind of respectable not chasing the moonshot like everyone else during that era. makes you think about risk management vs FOMO during bull runs. larsen apparently added $6B in wealth in just one month during that XRP surge though, so... different strategies i guess