Conversion of CTE to temp table in SQL to get all possible parents

I have one user table in which i maintain parent child relationship and I want to generate the result with all user id along with its parentid and all possible Hierarchical parents as coma separated strings, my table structure is as follows.

CREATE TABLE [hybarmoney].[Users](
    [ID] [bigint] IDENTITY(1,1) NOT NULL,   
    [USERID] [nvarchar](100) NULL,
    [REFERENCEID] [bigint] NULL 
)

and I am getting the result using the below CTE

;WITH Hierarchy (
    ChildId
    ,ChildName
    ,ParentId
    ,Parents
    )
AS (
    SELECT Id
        ,USERID
        ,REFERENCEID
        ,CAST('' AS VARCHAR(MAX))
    FROM hybarmoney.Users AS FirtGeneration
    WHERE REFERENCEID = 0

    UNION ALL

    SELECT NextGeneration.ID
        ,NextGeneration.UserID
        ,Parent.ChildId
        ,CAST(CASE 
                WHEN Parent.Parents = ''
                    THEN (CAST(NextGeneration.REFERENCEID AS VARCHAR(MAX)))
                ELSE (Parent.Parents + ',' + CAST(NextGeneration.REFERENCEID AS VARCHAR(MAX)))
                END AS VARCHAR(MAX))
    FROM hybarmoney.Users AS NextGeneration
    INNER JOIN Hierarchy AS Parent ON NextGeneration.REFERENCEID = Parent.ChildId
    )
SELECT *
FROM Hierarchy
ORDER BY ChildId
OPTION (MAXRECURSION 0)

But I have the limitation of MAXRECURSION and when I googled, I got to know that temp tables are an alternative solution but I was not able to do the same and also i don't want to get all possible top parents, for my purpose I want to find 15 levels of hierarchical parents for each users. Is it possible to use temp tables for my purpose if possible how.

What I have tried:

I have tried only using CTE as above mentioned

Tags: SQL, CTE