Phonetically Memorable Password Generation Algorithms

Question

Background

While at the Gym the other day, I was working with my combination lock, and realized something that would be useful to me as a programmer. To wit, my combin

Answer 1

System generated passwords are a bad idea for anything other than internal service accounts or temporary resets (etc).

You should always use your own "passphrases" that are easy for you to remember but that are almost impossible to guess or brute force. For example the password for my old university account was.

Here to study again!

That is 20 characters using upper and lower case with punctuation. This is an unbelievably strong password and there is no piece of software that could generate a more secure one that is easier to remember for me.