I, too am frustrated with the password issue. 

When I had client's files on my computer I used the same very simple password for every client.  Then Intuit decided the password had to be longer and more complicated.  UGH.    When I was first setting up those passwords on every account, I accidentally skipped a couple and I can still get into the one remaining without a password.  Oh, how I wish I had known better and never set up any passwords in the first place.

I am now retired.  No more company files on my computer, just my own  - personal, a rental and my handicapped daughter's account.  I have never used any account or routing or social security numbers, even on outside company accounts.

Last night I logged into my personal account and the password worked.  This evening I tried to log in using the very same password, it says it is invalid.  Very frustrating.