When will I be able to carry only my phone (iPhone)? I know the technology is there to transfer funds digitally with bluetooth and even other secure connections. I see a digital wallet enabling consumers to pay at vending machines to retailers with their phone. Take the scanable apps and the new way common things are getting done. I also see apps that manage every other aspect of your life. The iPhone and Blackberry platforms are pushing some innovation. I see smart utilities that buy and sell stocks, check physical mail, clean house, order food, and just about anything you can think of. Innovation is everywhere and the phone is going to be an invaluable tool for the future of just living.