Why isn't there a comma after "Penny"? It's the Oxford Comma Rule, and yours is an example where it makes sense.
Also try associating say you pin number or SS number with every day things you do routinely
For instance, you could associate 042-68-4425 with dung that visibly attracts flies.
[[ Why isn’t there a comma after “Penny”?]]
Because I;m commaphobic
[[For instance, you could associate 042-68-4425 with dung that visibly attracts flies.]]
Whatever works- the more silly hte better your mind will recall it later-