I have a smaller cross body bag so I can't have much in it. Keys, card wallet, phone, pen, magnifying glass, change for shopping carts and a knife with a glass break and seat belt cutter. The knife is a bit of a risk as in Ontario you can't carry defensive items but the glass break and the seat belt cutter are safety devices so I am in a grey area. Besides the glass breaker can be used for defense without escalating to lethal force.