and the year you were married (using the punctuation marks on those numbers)

you can come up up with complex, unique passwords for any site that you really can remember.

It doesn't need to be THIS system.  Just develop A system using things familiar to you.  An ideal password would have more characters than the example we created here.  Just add more features you can remember to get more characters.

If you're already thinking ahead to sites that restrict the password to a smaller number of characters, just have it be part of your password system to eliminate characters from the right side.  Or the left.   Or after the unique portion.  

If there's a site that won't let you include punctuation, just substitute the numbers on those same keys.