When I'm at home, it's two credit cards, one debit, so that's three on one side of the card holder. Then ID, transit and cocktail/bar card on the other end that I just jam together in the picture side (the transit and cocktail are swipe anyway). Money in a money clip. When I travel, the transit, club and credit cards get replaced with Nexus, airline, and AMEX respectively.
I still find it's too many cards and you can see the imprint on the front of my pants but still better than a full wallet. I don't have a car so the insurance papers stay in the wallet whenever I get behind the wheel.