The concept of forced password changes is retarded. It just forces people to write it down, or to just keep adding a digit increment. My home/personal passwords are all much more secure than work, because at work there's no point in me trying to remember a complicated password because I'm going to have to change it again anyway. So I pick a dictionary word, capitalize it, then just keep adding a digit at the end. When I hit like 30 I change the word.
What I hate is that every system has their own rules. Some systems the password HAS to be 6 characters no more no less, some it has to be 8, some require special characters etc. And they all expire at different times so it's very hard to keep them synced. Some of the systems let you change it yourself without it expiring, but not all of them do. I basically have a few variations of passwords to fit the different systems then keep them all in my password manager. At one point they tried to take away the password manager but people just started putting their passwords in their personal phone or on notepads on their desk etc so they didn't like that and let us keep the password manager.