Do I trust these Defi projects, no not quite yet. But it makes for some good short term trades. I caught the ass end of the LINK and UNI runs, made a pretty penny. And I caught the 3 USD dip on UNI and hoping to catch a second wave before the end of the year. Long term however, it's still hard to say where defi will go. But for now, I'll enjoy the roller coaster ride $$$

When it really comes down to it, XRP correlates with BTC. However, I'm not saying once Bitcoin hits it's ATH that XRP will as well because XRP has lost much of it's base since then and it's pump was partially due to it's introduction to Coinbase and South Korean investor access at the time. When Bitcoin reaches 20k again, I truly believe XRP could potentially see 1 USD, which is huge for the people who've been collecting an holding since it's crash 3 years ago. But the longer it takes Bitcoin to pump back to 20K, the more XRP's correlation decreases as people continue to lose interest. It's market cap still makes it 3rd behind ETH and BTC, which gives me hope. But coins like LINK have begun to rapidly fill in the gap beneath the top 3 while Defi is still a major unknown factor to "traditional" crypto..

I still very vividly remember the days back in 2011 when everybody in the forums was crying about not investing at 20 bucks a pop. Bitcoin was at $100 at the time 

That being said, it's never too late!