Walter, I know your close to my area, Hot in the summer, pretty mild winters that are short. Several ways, 1st, don't carry a wallet, I use a small zip thing to carry identity and credit cards or debit cards with my medical insurance, in my right front pocket, wallets are literally a pain in the ass, and not good for your body, now, where to carry Bug, either back pocket, which again is a pain in the ass, or belly band holster, this is a fave of mine, but worn up high, across the chest, across your nipples, and the pistol is tucked under your weak armpit, depending on what type shirt you wear, you can reach through a short sleeve shirt and draw, you can even be talking to someone, and have your hand on the grip, to rip out at a moments notice, and nobody would be the wiser, it conceals very well. I carry 1 pistol, Right front pocket, but in my circumstance, I have several weapons available, in my vehicle and tool box, within 100'.