Password management

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In today’s world, the need for secure access to our digital lives is more important than ever before. We access our computers at home, computers at school, computers at work, our smartphones & tablets, our social media, we buy products online, we do online banking, we access various government assets online, we pass money to each other online, and conduct many other activities in our lives on systems that require secure access. In doing so, we each likely maintain dozens of passwords.
So… how do you keep track of all you passwords? Do you have a little secret book of all your passwords hidden somewhere? Do you have a special formula or system in your head? do you use a Password Manager app such as LastPass or DashLane?
Do any of you use 2-factor authentication at work? at home? Do any of you access VPN’s at work with a 2-factor authentication system like RSA’s SECURID? Do you have to recycle your system passwords at work every 60 days? 90 days?
In your own words, describe how you manage all of your daily passwords and whether you think all of today’s password activity is a good idea or is just too overwhelming.
Minimum 200 words first posting. Replies should be substantive, not just “I agree”
Please make sure to include API citation
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