I have a wallet but its been years since I've taken it with me. I had started doing a daily morning brisk walk for exercise, and didn't like having too much in my pockets when doing that. So for those walks I'd go out with just my phone in my left pocket, and my driver's license, insurance card, credit card, $20 bill, and a house key in my right pocket.

It didn't take long to realize that configuration was all I need for most outings. Just add my HSA debit card to my pocket and a keyring to my belt with my car key and a couple others, and add a stash of $100 or so hidden in my car and over 99.9% of my outings are covered.