Yet another reason I love using a password manager[1]. Besides letting you have unique passwords for everything (which is a must), it solves the "What the heck was the password for XZY?" issue when you haven't logged into XYZ in 6 months.
People really should just use a password manager. Yes it's a pain some times (mainly using mobile) but that's just something you live with. The rest of the time though it's way better than trying to remember silly thing like "Capitalize the second letter of each word" or "Replace the last letter with a digit that denotes the number of words in the phrase"[2].
Long passwords are a solved problem and the solution is not reinventing the Caesar cipher, it's to have a single long diceware password and use a password manager for the rest.
Oh and enable two-factor auth everywhere that allows it and vote with your wallet to choose businesses that do. For example, if your bank doesn't support it, find a new bank.
[1]: I suggest KeePassX: https://www.keepassx.org/
[2]: The article suggests things like this to make sure your password unique/dictionary proof. Forget that and just use the password manager directly.