Instead of grinding for a pension that may never materialize, they’re chasing cash. YieldMax’s MSTY fund, tied to a Bitcoin-related stock, pays eye-popping dividends but has trailed the stock by more than 100 percentage points since launch. “They’re fooling people into thinking that they’re somehow getting income,” says Benn Eifert of hedge fund QVR Advisors. Cesar Arteaga, 27, turned from memecoins to high-yield ETFs after moving to Montana and struggling to find work. “When you graduate college, you’re like 22, you’re young, you have the good looks and all that, but you don’t have the money,” he says.