The 1% Meme Coin Rule: We all love the stories of people turning $100 into $1 million with a dog coin. It’s fun, but it’s basically gambling. If you want to play with "Meme Coins," follow the 1% Rule: never put more than 1% of your total portfolio into them.

If it goes to zero (which most do), you aren't hurt. If it goes to the moon, that 1% becomes a massive win. Treat it like a lottery ticket, not a retirement plan.