When Ginko came on the scene I figured why not. So I did. I can't say it improved my memory. But it did greatly increase my episodes of lucid dreaming.
Lucid dreaming consists of dreams over which you seem to have control of the story line. They are also quite vivid and memorable.
While this was quite enjoyable I found that I frequently woke up feeling both physically and mentally exhausted. So I quit taking it.
After I retired I started taking it again mainly for the lucid dreaming effects. On nights where I have several such dreams I tend to sleep and hour or two more waking up well rested.
Does it help with memory? No idea. But it does seem to be a legal mind altering drug with no adverse side effects.