I use a multitude of formulae for passwords. Some make sense for the account, some are random, some look random to other people but have meaning to me, and some are just silly word combinations with numbers to satisfy the requirements. I keep them all on a notepad file on a USB "thumb drive", where I keep all my other files. Google auto-fills all passwords for me on my desktop, but not on my phone or other devices. I don't have it saved to the cloud, I don't "sync" these passwords to google drive.
I also have a list of passwords to apps that I use regularly, hidden on my cell phone. None of them are bank apps. I use pattern and fingerprint and facial recognition to access various apps in addition to passwords. Sure people can get into my phone. But they'll be very disappointed if they do - unless they were hoping for a $5 credit at PetCo because I spent a fortune last month on flea treatment for my cat, and a free burrito at Moe's.
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