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Keeping a text file with passwords in clear text is so much less secure than a proper password manager. Even if the company is breached, at least they are encrypted by a master password and take significant time and effort to brute force. That text file is readable by anyone who gets their hands on it, and with the prevalence of malware, it's a pretty huge gamble to store passwords on your own computer where you are ultimately the only person responsible for your cyber security.
People are assuming I just have my passwords littered out on open desktop and in My Documents? Little naive to assume so, when there exists and I have used programs like TrueCrypt to encrypt partitions of private data including those passwords in. Like, good luck getting through that. And, what more, is that master passwords are stored in expansive media and not just strewn about for anyone to just grab and use. They're never on my desktop nor any system I use.
So please, don't just assume I am that careless...
And no I will still not use a password manager.