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How do you manage your passwords?

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I have a variety of methods....have a few "base" phrases that I add to as needed...Some need numbers and some dont, I prefer all four if I can do so!
 
I like RoboForm a lot, the only thing that bothers me is that I want to password protect all my saved Passcards so they're encrypted in case someone ever gets ahold of the files, but I DON'T want to have to enter the RoboForm master password every time I start a new browser session. I have turned off all Auto-Logoff features and set the Auto-Logoff minutes time to the max of 99999, but it still asks me for the master password every time I close my browser and open a new one. Any way to get around this short of removing the master password?
 
i have about 3 passwords i use for everything.

i have them 'tiered' in a way so that i have a good idea what site uses which.

tier 1: password for bank accounts, credit card accounts, work logins. wouldn't want this one compromised.

tier 2: hotmail, yahoo mail, cell phone accounts, utility bill accounts. also important, but wouldnt be the end of the world if these were compromised.

tier 3: junk password. for AIM, online photo gallery logins, myspace, etc. any site that makes me register first.
 
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