A combination of a vest and a versatile, adaptable bag allows a person to comfortably carry articles, even while physically active. The vest is contoured to the shape of a person's body, limiting the jostling of the vest and integrally attached bag as the person moves. One advantageous feature of the convertible bag is that its size can adapt to the desired contents: the upper portion of the bag acts either as a flap for the lower portion, or as a vertical extension of the lower portion when the bag contents are more voluminous. Further, the vest portion sits high on the chest of the person wearing the vest. This increases comfort to the person by distributing the weight better, and reduces sweating, particularly during physical activity such as riding a bicycle.