So I went back to genealogy.
Sample "Grandma" was Helen Elizabeth Henry born in 1903. There are several passwords I could create from Grandma's name:
I go through various ancestors---not just Grandma using a similar approach. I do alter the naming scheme from one show here. If the site asks me for a number only, I either use birthdates of ancestors, old phone numbers, or other things that would be hard to guess. If Grandma Jones' old number was 231-456-7890, my password could be grandma4567890.
I particularly like to do this on those sites where I can give myself a password "hint."