I would like to know if there are any good ways to help in remembering all the passwords and login usernames. I also don't understand how the government expects the aging to possibly understand and keep up with all of the Medicare and health care prescription information and picking a plan that they will not be able to change except for their birthday month and that if they miss any payment on their plans they may lose that service for good. A life insurance policy payment is overlooked after paying on the plan for the last 45 years just gets terminated and no refund and you lose all of what was put in, just because a person has a memory lapse from something.
It is unlikely forgetting a password would cause a big problem since sites usually have a password recovery option. For those of us in the real world - if the site uses challenge questions, forget proper grammar or punctuation for ease of remembering. Correct grammar does not count there. I use all lower case and no spaces. Just be consistent for all sites whatever your preference.
I use a spreadsheet for my 300+ passwords and challenge question answers. I password protect the spreadsheet (easy to do) itself and make a copy on a cheap usb thumbdrive for my file cabinet. The one password for the spreadsheet can be simpler since it is unlikely to be attacked. Even my grown children give me some of their passwords for safekeeping. I like the book idea as long as it is well hidden, but knowing me I would probably neglect to keep it current or include challenge questions.
Facebook is listed as FB, etc... I used to carry my very slim accordion address/telephone book (bought in Ebay) until too many purse snatchings here. I decided it's best to keep that book home. Since I'm not carrying the address book, I put on both my iPad and Kindle note app - only logins/passwords for AC, FB, Disqus, etc... I do Not put any of my bank/credit card info there.
https://www.consumersadvocate.org/password-manager/a/best-password-manager?
He recommends another one also: 1password.
He recommends visiting "Have I been pwned?" (spelling is correct),
"Have I been pwned? " website. This will tell you how many of your accounts have been compromised and how many have been breached. @Troy Hunt.
.
I read ur profile. You have Mom at the age of 47, is this a misprint. I ask because with the health issues she has I am assuming you are handling her finances.
First, I would check on that life insurance policy. Tell them the situation.
I wish I was there because it can be easy once you understand how everything works. Changing insurances can only happen during open enrollment that starts in Oct and ended Nov or Dec. If you want private message me.
There is a little book called "5 at 55". It details the 5 documents you MUST have at 55, and a "digital diary" is one of them.
Computers can be wonderful for the younger generation for reminders. Programs such as Gmail or Outlook have comprehensive calendars that send reminders in a variety of ways, from texts, to email or on screen pop ups on phones, tablets and computers.
A good old fashioned address book is a good place to write down user names and passwords, just make sure it is kept in a safe location.
Calendars and dayplanners can be used to remind those who are not using computers about payment dates.