I have been up for less than 90 minutes....
1) It is important to keep the passwords for all those accounts (email, paypal, etc) that you rarely use
2) Do not put them in some secure place that is so secure you can't remember where it is
3) When you have to go through all the hassle to reset all the aforementioned passwords, write it down
4) Repeat #2
5) I have no idea why simple things on my computer (like making a new folder) aren't working this morning
and the most important....
6) When all else fails....get another cup of coffee.