I used to change my passwords regularly. I would cycle between four different passwords for all my accounts so that I could remember them. And if I forgot, I could try the three others before I was locked out. I would then change these four passwords after about six weeks. But as the number of online accounts grew and online hacks were more frequent, this system didn’t work anymore. Now I use the strong passwords suggested by my computer, and save them in my Apple keychain. All are finger-print activated on my computer and face-activated on my phone so it is easy, but only on my own devices. If I have to log in somewhere else, those strong passwords are a curse because I never record them anywhere. I tend to use the ‘forgotten password’ option quite often in those situations. Nothing is more frustrating than not being able to do things without having to remember a password.
In Sweden we have a so-called BankID which you can use for identification. All official websites, pharmacies, banks, and many other websites use it nowadays and that takes away your need for passwords. The BankID app on your phone just scans a QR code on a site and then you use facial recognition to log you in.