Snap.
Don't think I've ever had a wallet. I used to just have a card holder 'wallet', just for credit/bank cards. Then I decided to save space by getting a 'wallet phone holder', which is a phone case to protect phone, with space for 3 or 4 credit cards.
No need really for physical money these days, but if I do, just goes in front right pocket. Ditto keys. Phone front left.
No man bag, unless I'm travelling and need to take extra stuff, and then I'd probably take a rucksack.