There are lots of schemes. Which one might you actually use?
There is a free service, LastPass. Design a great password to keep anyone out of your LastPass account. Then create a complex password for each protected site. You won't have to remember any of them.
What about that first password or LastPass? One of my site members on www.GaryNorth.com wrote a good article on this. Read it here.
Be most careful about passwords for financial accounts.
Always assume that your computer or smart phone will be stolen. Select your passwords accordingly.
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