[stayux]

Maybe I have not explained it clearly, sorry.

I usually generate my passwords with pwgen (you can install on Mac with brew and use this command pwgen -s 20 -1 -v -y -c -0) then store in plain text within an encrypted folder on my NAS.

In some cases, I use 2FA. In some, a lengthy "mumbo-jumbo" passwords that are easy to remember. :)

P.S. This is just an old habit and I have nothing against using a password manager like https://keepassxc.org/