What's in Your Wallet?

A few weeks ago I made a decision to stop carrying a wallet. There were a couple of reasons for this. First, I fairly unscientifically concluded that while I think everything is ok, sitting on a lump of leather and plastic on one cheek, but not the other can't be good for the lower back over the long haul. Second, I had a fear, rational or not, that my wallet could easily slide out of my back pocket and could disappear all together. This would happen not in my office or in my car, but in some place like a food court at a mall, where I would likely never recover it again. Finally, I've noticed a specific kind of wear in my pants, right along the fold or edges of the wallet, where some of the fabric is beginning to tear. Fabric of my pants, not the wallet.

Wallets for most guys are a microcosm of most women's purses. Most guys, if they were to dig their wallets out of their pants right now, would find business cards, receipts, the phone number to the local Chinese restaurant, a couple pictures, a miniature day planner, calculator, various credit cards, drivers license, and maybe a stick of gum or something. Even if you don't carry a wad of cash around (and who does these days anyway?), some tri-fold wallets can mount to an inch or more in thinkness. Who needs that?

So back to my decision. After considering a money clip, I opted for a band. Not just any rubber band--but a band designed specifically to snugly hold items the size of credit cards.

So here is my question. Forced to be minimal, what items do you carry? For me, it is my key card to get me around the building at church, my drivers licence, a credit card, my ATM card and my heath insurance card. Other near necessities I've considered adding: my Qdoba card, Blockbuster card, and the AAA card.

What else should I be carrying?