E.g real password is "xB6fqmd$a90". Apply algo: swap 2nd and last char. So store it as: "x06fqmd$a9B"
This algo should be easy to remember and there infinite ways to come up with your own algo.
Even if your passwords are exposed there is additional protection.
In other words you have your own simple symetric encryption with algo being the secret.
He carefully wrote them in the back of his planner which he keeps in his pocket. Then he realized he needed extra security and added some extra digits before and after.
Then promptly forgot which digits to remove and which to keep.
His new approach is: 1. Pick a “famous” battle 2. Hand me a card and ask me to go to an ATM for him 3. Tell me the PIN is the battle of whatever 4. Yell at me for being an idiot for never having heard of the battle, let alone know the date.
Frequent usage helps to retain the memory. Also, in my case my wife uses it so its two people remembering instead of one.
“You forgot?? I distinctly remember telling you: Battle of Hastings minus the length of the Thirty Years’ War, plus the Battle of Ipsos. C’mon kid, pay attention”
“...”
“Sigh. 1337. That’s the PIN”