Keep Calm and Carry On

Q: Many people carry _____ (4-letter word) in a _____ (5-letter word) to make _____ (9-letter word). You can rearrange the letters of the first two words (the 4- and 5-letter ones) to get the last word (the 9-letter one). What words are these?

Actually NOT true for many people.

Edit: Most men don’t carry purses and cash is used less often these days for purchases compared to debit/credit/phone transactions.

A: CASH in a PURSE to make PURCHASES