I use a password manager which contains all of the user ids, passwords and challenge questions that the site needs. It contains about 100 sites and I don't remember any of the user ids and passwords. There are several password managers out there, both web based and local on your computer. I don't trust the web based password managers since everything on the net seems to be getting hacked. I use a local one called KeePass.
https://keepass.info/download.html