I tend to keep my stuff in in either a room safe or office safety deposit box (depending on the hotel/resort). I usually keep about a 1.5 days worth of cash and 1 credit card on me in a waterproof cell phone case that I keep in my my cargo pants pocket (in either my swim trunks or shorts) so that I can do anything at anytime, yet, if I lose the case or it gets get stolen, not a big hit on my cash for the trip.