Generally, the program should have strong encryption. If your computer/phone is stolen, a moderately skilled hacker could hack your program and then have access to all your passwords. I need to upgrade my password program to practice what I preach.

"Not writing passwords down" is not an option for me. I have over 100 passwords or combinations I may need at any given moment. My job alone has about 12 different things that require a password, and those passwords require odd combinations of numbers and unique characters.

Oh yeah, I include padlock combinations in there. How many times have you left a padlock alone for 2 years and had to cut it or trash it because you couldn't remember the combination? I simply don't have enough time to go through the whole process of resetting a password, or buying a new padlock, every time I forget one.