OK, think of this as just some food for thought, not a hard recommendation.
You know, there's the standard advice about how to make strong passwords, and how you're not supposed to use the same password for different accounts, and statistics about how many people use "password" or "123456" as their password, but the question I ask is what site is the password FOR?
For banking, credit cards, etc., sure, I can see using strong, well-constructed and different passwords. But do I really need a password other than, oh, "password" for, say, a sports forum where I discuss last night's game results? Can't I use the same password for my fishing hobby and RC plane hobby forums? If someone hacked my CNET account, what would they do, sully my reputation by posting imbecilic comments? Even if they hacked my phone/cable/internet account, what, should I worry that they might, er, pay my bill without telling me?? Yes, I guess they could do some temporary mischief by changing my service, but they can't actually get any personal information or buy anything to be shipped to a PO box in Malaysia.
Even if your email is hacked, it's really just more of an inconvenience. You shouldn't use email for any sensitive personal or financial reasons at all. I suppose if my company email was hacked it would be worse, but not devastating (OK, I do use a strong password for some of my email accounts, especially for business).
For on-line shopping, yes, maybe a little more security is in order, but again, it's just an easily rectified inconvenience if you were hacked, with no loss of personal information and no actual liability.
If you consider just how few of your accounts actually need the highest security, can't you just remember them? For the rest, just use "password" or your kid's name, or Happycucumber1% , two easily remembered but unrelated words, greater than 8 characters, one capital letter, one number, and one symbol. That should keep your password from being rejected from those sites with stringent minimum requirements (very annoying when the fishing forum requires NSA-proof password construction).