Like Paul810, my stuff is distributed. I'm trying to carry as much as I can while looking like I'm carrying nothing. So no waist packs, no sheaths, no clips, nada. It's not that I think they're a bad idea, I just don't want to attract attention.

I wear one of these (Black Hawk Ankle Pouch) on and off. It's comfortable, stays put, and you can put a reasonable amount of stuff in it: I only use it for stuff I want to have with me, but won't need unless there's a problem.

One trick that's probably too obvious to mention... You can put more things in your pockets if you'll take the time to figure out what "goes together" and what doesn't. Some items will fit together (and take up less room) in a pocket than others. I've been fine tuning my EDC for a while now, and I'm pretty happy.

I like the money belt idea. And I think the tinder card is a really interesting idea.