this post was submitted on 14 Feb 2024
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Coming up with a simple formula is a big security risk. It makes your passwords easier to brute force, and with enough entropy, probably easy to guess as well.
And what happens if the password is breached? Do you change the formula? What happens if a site requires a password change? Even if the formula accounts for versioning/iterating, how do you remember which iteration you’re on?
Extra security with 2FA I agree with, but that’s not mutually exclusive to using a password manager.
And are password managers really single points of failure? These password managers can sync to multiple devices, so your data is generally safe. If someone gets your password manager password, that’s a problem, yes, but they’d need access to your device to view anything, as installing on another device requires a separate master key to set it all up (which should not be stored digitally anywhere).
Passphrases are by definition hard to brute force.
The formula should not be obvious. Don't just put the site's name in the passphrase, put a similar sounding but easy to remember word, something that rhymes, the first and last letters of the site's name plus the number of letters in the domain name, whatever.
An attacker would need to specifically target you and have more than one of your passphrases using the same formula in order to try to figure it out. Too much work. If they're that interested in your password it's easier to beat you up until you tell them.
You can have a couple different formulas or variations.
Same way you'd remember the password you used for a site if you reused two or three different passwords.
And if you use the wrong one just try again; sure, passphrases can be a bit long, but having to type them multiple times is a good way to make sure you remember which one you used, lest you have to type it again.