Usual EDC (i.e. working or pootling about at home):

Always -
SAK midnight manager on keyring
Torch on keyring (photon or small Fenix)
Cellphone
Wallet with at least £100 in cash (about $150 I guess), cards and too many receipts

99% of the time a second knife - rotating between SAKs and othe legal edcs (currently a Boker Subcom and a Spydie kiwi are getting the most mileage, both as slippies)

Heading even slightly outdoors - i.e. walking dogs out in woods - knives get upgraded to a Byrd wings and a big SAK (usually the Champ), and I add a whistle, space blanket and disposable poncho (last year my local supermarket was selling little ziploc bags with a space blanket and disposable orange poncho in them, and I got them at 30cents each, so I have a few and just drop them into pockets when out and about)