Yes, very smart move. You should put at least 5% of your karma salary into an IRA, hopefully your good guy boss employer will match you. Make sure not to withdraw the karma and post memes too early, otherwise you'll get hit hard by those 'murica taxes.

It's a tough meme economy out there, used to be better, Pepperidge Farm remembers... A simple frog or penguin meme used to score an easy 4-5K karma, now you'll be lucky to get a measly 100 karmas with those.