• iPhone
• Ritter Minigrip
• Quark 123
• Keys (includes Preon ReVO flashlight in leather sheath, LM Squirt PS4, keys to house, office, CERT trailer)
• Car keys (includes car key, remote starter, house key, Mobil SpeedPass)
• Wallet (includes concealed carry permit, driver's license, credit cards, ATM card, cash)
• Pistol (most often a S&W M&P 40 compact, with a full-size spare magazine)
• Fisher bullet pen
• iPhone earbuds

Outside, if you don't count outerwear, the additions are sunglasses and a pack of Kleenex.

Excepting the pistol and the Kleenex and counting the keys and wallet each as one unit, I use every one of these items almost every day for something. I don't use a lot of cash, but when you need it you often need it right now. My practice is to carry at least two hundred dollars -- by withdrawing it in big chunks I go to the ATM less often, and almost never have to pay fees for using "foreign" ATMs.