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sometimes, you see images from others and you think... "hey this image is good for a meme". Save it for later. make a folder with "meme templates".
Then later when you have a good phrase in mind, go to your secret memes templates folder and just add that text.
Memes are more like spontaneous ideas.
LOL now I have to write guides about how to make good memes? šŸ˜‚šŸ˜‚šŸ˜‚