This is what I did.
I went to
https://rippex.net/#/ and downloaded a Desktop Wallet
you will have to use Google Chrome cause the site is in Portuguese and needs to be translated
Once you downloaded and unzipped the Wallet...Click on the exe to install
Once installed and account is made copy your Wallet Address & Secret Key (Important)
Wallet will not be active yet
Go to
https://changelly.com/ Make an account
Purchase $50 of XRP direct it to your Desktop Wallet's address
You may need to call your bank to allow a purchase from site
You will need to confirm and verify a few things with Changelly before the purchase goes through
Once everything goes through you will see the Ripple in your desktop wallet