Use the state and year you were born.

Mix upper and lower case (not Proper Case but miXEd cAsE). Try replacing certain letters with symbols or numbers. For example, m!X3d_c@s3.

Make up a word that represents a saying you know. So something like "Ask me that question again?" becomes AMTQA (or aMTQ@).

Sometimes you just have to get creative. Pick a couple letter combinations that have some meaning to you, mix in some numbers/symbols and have at it!

See if you know what this means.....!L!k3gW.

Length should considered not just the make up.
Some thoughts I have given.
Initials of someone, last 4 digits of phone number, throw in a #$! Or some symbol between each, then dates for someone's birthday, additional!? * characters. And begin the letters with a capital letter. If you always keep the same format but change the letters and numbers it's easier to remember.

Or you can use a random generator and keep track of them.

Here is a link that might be useful: Password generator

I have to change my password every 3 months at work. I listen to Spotify at work and when I get the notice I have to change my pw, I use whoever is playing on Spotify at the moment plus either my birth, HS or college graduation year....i. e. Beatles1970.

Some things to increase the security of your password.

1. Mix it up with lower and upper case: mommysBaby

2. Put the cap in an unusual place, but one you can remember: mommysbaBy

3. Use more than one cap: MommYS babBy

4. Mix in numerals with alpha characters: mommys1baby

5. Its best to use a nonsense string of characters, but most folks defer to real words since these are easier to remember (but real words are easier to break). If you must use real words, introduce mis-spellings, but don't use the obvious mis-spellings. Instead of "FoggyBottom", use PHoggyBoottom.

6. Do not use a string of adjacent characters on the keyboard such as "qwertyuiop", "12345678", or vertical adjacent characters such as "qazwsx"

7. If the system allows it, mix in other symbols: Well^&Good. Most printable symbols are usually allowed except maybe a few control symbols. @ and # may be reserved. If not, feel free to use them. At one time, 'space' and 'shifted space' were allowed. Yes, 'space' and "shifted-space' have different ASCII codes. Throw in a few spaces in the password, shifted-space is better. You can mix up spaces with shifted spaces - just be sure to remember in which order these were.

Funny, I do all of these! Including the phrase. Mine is the title of a poem I love.

If you are anything like me, be sure you write down that secure password because with all those wacky characters, there is no way I can remember it!!

boy is that for sure!! we use a sport, and numbers...

I have a special notebook I keep all the websites info and the user name passwords in(they are in a code). It is in a secure area in the house.
If someone manages to break into my house steal my computer and also is lucky enough to find the notebook and able to get to it, then good for them, at that point if I have not managed to take them out they have taken me out.
I don't use password managers but many people do and rely on them. None of mine are stored online either. Gone are the days when I could remember things like that.

I think the need for concern regarding user passwords is often overstated and unnecessarily dramatic.

The most likely risk an individual has is for an unauthorized "event" to trigger a short and perhaps minor inconvenience, such as if access were gained to your email account. That would require you to either sign on and change the password, or open a new account. Otherwise, loss from a fraudulent access (such as to a financial account) is unlikely to result in a personal loss to the account holder.

If someone wants to break into my ISP account or my utility company account and pay my bills, they're welcome to do so.