Password manager, and use different randomly generated passwords.
The real danger is having the same password everywhere.
Also pay attention to where you save your payment info.
Everything I do online is through Privacy.com, with limits for each vendor. My amazon gets hacked? Most I'm out is $100, steam gets hacked, there goes $60. A subscription tries to double charge, lol no. Free trial wants to auto-bill me after 7 days, its not happening.
Funneling everything through them isn't 100%, but at least they're not paypal, I get notified when ever even a 1 cent charge happens and I'm not leaving my bank card on a dozen random sites I'll eventually loose track of.
It's not that you change the passwords for each website often, it's that you use a different password for each site. That way if one site gets hacked and your password is leaked, it can't be used to access your accounts on other sites.