If you lock yourself out of Windows stuff, all passwords are stored in files called *.pwl in C:windows. Download showpass.zip from this link to view all passwords stored. Or rename the files to .bak to delete passwords.

In Unix, passwords are normally stored at etc/passwd. This can be viewed using the cat command (prints a file to screen): cat etc/passwd. Make sure you're passwords are shadowed (not actually in etc/passwd). Also make sure they aren't in a file called shadow, especically not in a file called etc/shadow.
Unix passwords are encrypted far better than Windows one's (to be fair, Windows 95 isn't designed for users), but can still be cracked through a program called jon. view here