We split up cash and cc between the two of us. I also have some of that in a wallet worn under my clothes. ( You would need to mug me and strip me to get it. Now that would be an interesting cruise, says this Sr citizen!) My carry on additionally has meds, a change of clothes, basic toiletries, camera, book, pens and notebook, air, cruise and hotel docs, phone and charger. I copy all docs to an app on my phone, including a pharmacy produced list of meds. Pending weather I may add a sweater and a packable rain jacket. I figure worst case I can replace most everything else.