The Ripple wallet you just set up is not ready to make transactions yet. To avoid spam, Ripple has made it necessary for all wallets to be funded with a fixed amount. Presently, this amount is 20 XRP. Hence, to activate your wallet, you need to send 20 XRP to your newly created Ripple account. Once your wallet has been funded with 20 XRP, it will be automatically activated.
There are multiple ways to buy XRP. For one, you can buy it from crypto exchanges such as Binance, CEX, and Bitfinex. However, most of these centralized exchanges require you to do KYC(Know Your Customer) verifications. Changelly (https://changelly.com/) allows you to buy XRP without verification, and their exchange process is seamless. Navigate to www.changelly.com and create an account there. Then, go back to the home screen.
If you have any other crypto assets such as Bitcoin or Ethereum, you can exchange them for XRP. If you don't have any crypto assets, you will need to spend a minimum of 100 USD to buy XRP. Assuming you don't have any crypto assets, select USD currency in the You Have field and input the value as 100. You will then be given an estimate of how much XRP you are going to receive, as in the following screenshot:

You will be taken to a confirmation screen, as shown in the following screenshot. Just confirm the details and click Next:

You will be asked to input your Ripple account's public address. This is the address shown below your account's nickname, highlighted in the red rectangular box in the following screenshot. Make sure you use the copy button because some parts of the address may be truncated on the display. You can paste the address here. Once changelly confirms your payment, it will automatically send the respective XRP to your public address:

The Destination Tag option allows you to tag transactions so that they can be classified easily. Our Toast wallet doesn't require a destination tag, so leave it blank. However, if you are using a wallet that provides a destination tag, please ensure that you input the same in the preceding form, otherwise you won't be receiving your XRP.
You are again shown a confirmation screen. Make sure you've entered your public address accurately. Go ahead and confirm and make the payment. Once you make the payment, please wait a little while for the exchange to happen.
Here, we are sending more than 20 XRP (183 XRP) to activate the account. In this case, 20 XRP is reserved, so the account balance will be 163 XRP.
Congratulations! You've now activated your wallet.