Thinking of passwords is difficult, especially as many passwords need to have a letter, digits, upper case, lower case, and a special character. Many people write complex passwords down as they don’t want to “forget” the password and go through a password retrieval process that is usually cumbersome and relies on other information that may not be in hand.
Three-word passwords made up of words of your choosing may be easier to remember. Additionally, it will be a longer password and so harder for fraudsters to “guess”. If the website you are using wants to enforce digits and special characters, then you will need to think of your own strategy for doing that. I have one, but I’m not going to tell you what it is!
An example of a good three-word password might be: “PinkTedFCharlie99!”.
As a suggestion, make three-word passwords fun and something that you will remember as they relate to something personal to you.