OK, not a woman either, but know many, some of whom "carry things".

I ordered for one lady a smallish Spyderco knife (Almite Navigator), which she carries clipped into her jog-bra when walking, or her regular bra at work (metal detectors not an issue). It can also be carried in the waistband of pants, skirts, or underwear.

Other things might be carried in a brassiere, as well—I once saw the actress Jamie Lee Curtis on a late-night talk show, wearing a fairly form-fitting dress. She discussed how she doesn't carry a purse, and proceeded to pull a cell phone, small wallet, lipstick, and a double-handful of other items from her bodice. None of it showed, at least on-camera. Jeff Cooper once wrote of a well-endowed woman whom he had trained who was able to carry a full-size Gov't model 1911 .45 automatic in her bra (For those who are wondering how: muzzle underneath & to one side, grip up in the center).

My mother has at times carried a small cloth "wallet" pinned to her bra, or elsewhere inside her clothing.

As MiniMe suggested, some variation on a theme of a discreet pouch under your clothing is an option. The pouch to which he's referring was usually a pair, one on either side, tied around the waist on their own sash, and served as pockets for the women's dresses in the 19th century (accessed by a slit in each side--easier than putting pockets in all dresses).

Security pouches, travel wallets, or neck wallets (mine is from Brigade Quartermasters; Eagle Creek also makes multiple models), worn as intended—concealed—could also be an option, as might a neck ID carrier/pouch—hide in plain sight—if you must wear an ID at work.

If you wear pants—full length, that is—there is also the option of an ankle holster, though with a pouch instead of gun holster. I think Brigade QM has one of those, too. Custom leather houses would probably make one, for a price.

An elastic "belly band holster" might be an option, depending on how you're built, & what style of clothing you prefer. It could be worn higher, near the bottom of your bra, in the area of fabric drape, or as Massad Ayoob suggests, lower in the waistband of your pants or skirt, and could accommodate a number of items in either location.

You didn’t mention what style of clothing you prefer, nor, as others observed, how you actually do carry keys, money, & driver’s license/ID. How do you handle those items?

I disagree with the suggestion of a push dagger on the keychain simply because it is likely to be considered a weapon, rather than tool, and has less utility than a conventional blade (I like push daggers—have several, but don’t carry them). I’d suggest a folder that can be readily disconnected (snap link, FasTex buckle, etc).

Anyway, I guess this is a little more than my two cents’ worth…

Let us know how you work this out.

Good luck.

David