Many people like to lament how opportunities in the past were, but they don't realize that time is irreversible. Instead of repeatedly regretting, it's better to focus your energy on seizing the present and future opportunities.

Since the direction is already clear, the remaining question is how to choose. The current market offers us three options.

**First: Conservative and Stable Route**

BTC is the safest choice. If you are confident that BTC will perform well 15 years from now and expect it to reach 1.5 million, then accumulating BTC now is the most cost-effective. Buy and hold for 5 years to accumulate one coin; in 15 years, that one coin will be equivalent to 15 coins today. The power of compound interest can only be fully unleashed over the long term. Moreover, BTC's narrative is clear, and market consensus is strongest.

**Second: Moderate Risk Route**

XRP, as a representative of cross-border payments, has already established cooperation with over 150 banks worldwide. The application of virtual currencies in the payment field is an inevitable trend, and there is no doubt about that. If you believe BTC can reach 1.5 million in 15 years, then it is logical that XRP could rise to $100 per coin within the same timeframe. The risk and return are relatively balanced.

**Third: Aggressive Growth Route**

TAO has already been labeled as the king of AI, with keywords like on-chain AI, computational power ceiling pointing to the certainty of the AI era. The next era is the AI era, which has almost become a consensus. However, this path also carries higher risks.

The key is to choose based on your risk tolerance. Think TAO's volatility is too high and might go to zero? Then go with BTC. Think BTC's growth is limited but want to participate in growth? Then choose XRP. Can tolerate higher risks and are optimistic about AI trends? TAO is worth considering.

The essence of investing is this simple and straightforward—find the direction you believe in, then stick to allocation and compound interest. Complaining about the past will never increase your account value; only future actions will.