My top 3 ( and next 3) vary by circumstance. For daily life, going to work in an office or hanging around the house here is what tends to be with me.

1) knife - usually a swiss army money clip with some $ in it
2) small flashlight - single AA LED (peak solutions)
3) cellphone/iphone

4) wallet
5) keyring - just keys
6) small "jet" Lighter

The reason the above are always with me is I use them several times a day (well except the lighter but it just seems like a smart move to have an easy source of fire around and it does get used about once a month).

Of course if you ask my wife or my coworkers they would tell you it would be very rare for me to be caught with this little on or around my person but this tends to be what is always (or nearly so) in my pockets.

I used to carry a more capable knife and multi tool but they didn't "fit in" well in my office environment so they have been relegated to a small hard drive storage case I keep in my office / computer bag.

- Eric