What’s In Your Wallet? No Really!

Problem #45: Wallet Issues? Is your wallet stuffed with cards, but no money?

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What’s in your wallet? I’m sure you’ve heard that slogan by a well-known not-to-be-named-here credit card company. When Capital O. . . err I mean, when this company says this, what they really mean is, “Do you have our card in your wallet? And if not, why not? You need to get it like right now! Because your life is incomplete without this particular card filling a slot in your wallet.”

Rest assured, this is not another credit card rant. If that’s what you’re looking for, read thisthis, or even this.

If you don’t have a wallet, or if your wallet is completely empty, you might have a PROBLEM or you might be a kid.

what's in your walletSo when I recently heard, “What’s in your wallet?”, I immediately thought, money – I have money in my wallet. And then I thought it might be interesting to show exactly what I do have in my wallet and why I carry the wallet that I do.

The Evolution of My Wallet

I’ve gone through a few different wallet schemes in the last couple years.

Classic Tri-fold Wallet

I started with the classic tri-fold faux leather wallet. Perhaps many of you guys carry these. I had pictures of loved ones, my identification cards, library card, passport card, social security card (yes I know – you’re not supposed to carry this), and even a tiny diploma card. There seemed to be a slot for every card. But because of the tri-fold design, it was naturally thicker than other wallets.

What's in your wallet? - please say that you have money. Click To Tweet

At the time, it didn’t matter. I was prepared for any situation.

I once walked into the D.M.V. (Department of Motor Vehicles)  in New York to register my new-to-me car I purchased from out of state. The only place worse to have to visit is . . . No, there is no place worse.

After waiting in line to just speak to someone, I finally earned the right to present my reason for visiting that day. And after I asked for the proper form, the woman behind the desk was polite enough to inform me that to register today, I would need no less than five different forms of ID to complete the registration process, and that I should not have wasted my time coming in person.

“No problem.” I replied with a confident smile as I pulled out my swiss-army-knife of a wallet. I proceeded to dramatically produce one form of ID after another: my driver’s license, credit card, health insurance card, social security card, and passport card. I triumphantly completed the form, and registered my car in the same day. I was no-doubt the only person to ever complete that feat . . . at least in New York.

It was all made possible by my “expect anything, prepare for everything” wallet. But it was starting to be uncomfortable to sit down.

Is this Your wallet?

Bill-fold Wallet

So in the spirit of comfort, I switched to a bill-fold style wallet. It had the same capacity as my old tri-fold, but it was thinner. I still carried all the same cards and info, but I took out the pictures. I think with the widespread use of smartphones, the carrying of pictures has become more antiquated anyway. So I was moving in the right direction.

But I still was carrying too much stuff. My wallet was packed to point of wearing out the back pocket of my favorite pants. There was a nice hole where the corner of my wallet was stressing the pocket material.

I know that some men have wallets so thick with . . . stuff that if they sit for too long, it requires a trip to the chiropractor the next day to re-adjust their back. All because their wallet is huge. Now mine was not that overstuffed, but I did want to try my best to minimize the contents of my wallet.

Front-pocket Wallet

I figured the best way to accomplish that would be to go for a minimalist wallet. Minimalism seems to be a popular movement among my generation, and I can certainly see the appeal. But I wasn’t sure that I could pare down my wallet contents enough to fit in a minimalist style wallet.

Dash Wallet

I purchased this wallet (affiliate link) – made by Dash.Co. It was . . . small. But it was perfect. I was able to part with all but 5 cards, and some cash. I had to if I was going to make this wallet work.


You can get your fantastic front pocket wallet here (affiliate link).

So I no longer carry a wallet in my back pocket. The Dash wallet fits in the front pocket of my jeans along with my cell phone. Sometimes I even forget that I do have it – it’s that small!

So what’s in my wallet?

  • Driver’s licensemy wallet
  • Debit card
  • Concealed carry permit
  • health insurance card
  • coupon card from my kid’s school (good for lot’s of discounts)
  • petty cash

That’s it. Since I started carrying this wallet, I’ve found that I didn’t really need all that other stuff. Of course I haven’t been to the DMV in a while . . .

So . . . What’s in your wallet?

Feel free to share below in the comments.


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  1. LOL I hope there’s money as well. That made me laugh so thank you. I try to keep my credit cards out of my wallet unless I know I’m going to need it for a specific purchase. Otherwise I use my debit card or cash to pay for things, even though I keep purchases to a minimum anyways.

  2. We carry minimum amounts of items in our wallets. I’m very thankful for that as my wife’s wallet was stolen last week. The less things you carry the less you have to deal with if this happens to you.

  3. Great post Chris, loved it! 5 ID checks? That’s completely stupid and useless! I’m also onto the minimalist side of things where I keep only like one CC, one ID and maybe my health insurance card .. nothing else!

    • It’s interesting, it seems that minimalist wallets are becoming much more of a thing for younger men.
      Thanks for the comment. 😁

  4. I have a giant wallet, but that’s because I have a big purse so it’s not a problem for me. I do try to purge the cards every once in a while, but there’s just so many of them! Plus some of them are for the kids, so I blame them for my lack of organization. 😉

    • Haha, always blame the kids. 😉
      My wife carries a giant purse too. Maybe that’s why I can get away with a minimal wallet. She always has whatever I might need. 😁

  5. Ok, I’m not going to list everything because it would take me all night! I downsized my purse pretty recently and was able to cut back on quite a lot of stuff and that makes it way easier to find my keys when they fall to the bottom of my bag! I keep all my cards in my wallet…credit cards, DL, debit, gift cards, stamp cards, rewards cards, etc. To me it’s easier than having to switch things out as needed, guaranteed I would forget to throw in a rewards card when I actually need it.
    My bf on the other-hand has the smallest wallet, but I agree that he can likely get away with that because I carry everything!

  6. I switched to the small wallet years ago and never looked back. I don’t know how anyone sits on the Costanza wallet.
    I have about four cards total (debit and various reward cards) and my ID. That’s all I need.

    Tom @ HIP

    • I should have switched long ago too, but I was always, what if? Now that I did switch, I wonder why I waited so long.
      Thanks for commenting.

  7. You don’t complain when we go to the movies and I am carrying all those boxes of candy and some water. Not to mention the snot cloth for the baby, baby chew toys and who knows what else… Yes, I do carry a huge purse.
    Glad that you encouraged me to get my most recent hobo bag purchase though. All those essentials come in handy.
    Love you,

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