This should not be a surprise, as this supports the NIST's revised recommendations (from June 2017!) that passwords should not expire [0], because it actually leads to less-secure passwords for this exact reason. Furthermore, many corporate systems do not integrate well with password managers, such as when first logging in to your system in the morning. This means that the password is likely to be one of the few that…
please memorize: ZBkhTG1mchw7tr5bdKqknGGqFifuGDi7
But that's because you forced the choice on me, and I'm only willing to work so hard for a Hacker News post. Ideally, you turn it into one coherent story. If I can choose my password, and I usually can after all:
Zaphod Beeblebrox wears 3 hats. He gives 1 to Ford. Why did he do that? He only has 2 heads. Xavier can't read Zaphod's mind now. (Does he even want to?)
ZBw3hHg1tFWdhdt?Hoh2hXcrZmn(Dhewt?)
That's 35. I could have that mostly memorized in a day's relatively normal usage, and definitely have it by a week. I have some rules I apply, like numbers -> their digits, periods are "free" but the other punctuation goes in, etc. Doesn't much matter what your rules are, as long as you're consistent.
Technically, this is less random that a truly random password, because rather than drawing uniformly from the space of possible symbols, you're tilted in the direction of what words can start with and some other things like that. I tend to just make up for that by swinging more entropy at the problem, and trying to work in some Xs and Zs and unusual symbols, and figure that it gets me close enough.
One trick to this: If you find in the first day that you're consistently remembering the phrase differently than you first laid it out, just take the hint and change the password.