The #MillennialRetirementPlans meme emerged as a satirical response to the growing economic divide and the perceived impossibility of traditional retirement for the millennial generation. Often appearing as a viral hashtag across Twitter and Reddit, it highlights the absurdity of current financial expectations through dark humor. Common tropes include relying on a lottery win, hoping for a zombie apocalypse to wipe out debt, or simply 'becoming a bog witch' to avoid rent. It serves as a digital coping mechanism for a generation facing high inflation and a volatile housing market, turning shared economic anxiety into relatable, viral comedy that resonates with millions globally.