[UncleRay]

Before I retired I had to change passwords regularly and got a notice when it was time. So when I had to change my main password I got mixed up coming up with completely new passwords and had success with a method like this....start with a number and a phrase such as 5speedbikesrcool, next time go to 6speedbikesrcool, and so on. If the program says not enough of a change maybe something like ten10speedbikesrcool, eleven11speedbikesrcool and so on, capitalize one or two letters for variation. When the numbers get too big, reset with a lower number and a new phrase. If you need to keep track all you have to do is write down the number 11 somewhere and you''ll always know the phrase that goes with it.
Don't know how real secure this method is but it worked for me before retirement.