I have seen a lot of discussion online surrounding whether using password management software is more secure than writing your passwords down on paper and vice versa. However, a lot of this discussion assumes that the user is simply writing down the usernames and passwords in complete plaintext.

How much safer, if at all, is a password manager than paper assuming you obfuscate them in some way? I am slightly skeptical of putting all of my passwords into a piece of software and having that single point of failure that can be accessed through the internet.

Bonus question for those who do write down passwords: What techniques, if any, do you use to obfuscate your written passwords?

Thanks to everyone who responds.

I have seen a lot of discussion online surrounding whether using password management software is more secure than writing your passwords down on paper and vice versa. However, a lot of this discussion assumes that the user is simply writing down the usernames and passwords in complete plaintext.

How much safer, if at all, is a password manager than paper assuming you obfuscate them in some way? I am slightly skeptical of putting all of my passwords into a piece of software and having that single point of failure that can be accessed through the internet.