What's he got in his pocketssess?

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In my passwords post, several people mentioned carrying a USB drive with encrypted passwords on it. I used to have a small one, but lost it a while back. I don't one a new one, both because I'm trying to simply my life, and because I

don't like to carry much in my pockets. I don't even carry a keychain. I ride the bus to work.

Here's what I carry today:

  • T68i cell phone. I use the WAP browser to view bus telemetry. I also check the weather for sailing. I can also get net connected, to write my blog anywhere: Tablet PC -> Bluetooth -> GPRS. Occasionally I make a phone call.
  • Wallet
    • cash
    • credit card
    • ATM card
    • driver's license
    • Microsoft badge
    • health insurance card
    • driver's insurance card
    • legal service plan card

Why do I have to carry all those cards? Why can't I carry just one? (And still maintain my privacy.)

I'm annoyed by how big the T68i is, and it's one of the smallest phones out there. I'm intrigued by the credit card-sized NEC N900; I can't wait until something similar hits the US. I want a phone that fits in my wallet. (Bonuses: securely store my passwords, play music, carry around, charge battery with builtin USB, a mapping system with GPS)

I want to hear ideas about how to carry less.