I've been using a leather card wallet and a money clip for years now and was mostly satisfied with that arrangement. I order the Ridge wallet with the money clip, but later replaced the clip with the cash strap. I like that arrangement much better. At first, I had some difficulty navigating the wallet, getting cards in and out, but I've gotten the hang of it and it's working just fine for me. The Ridge wallet has forced me to take a good look at all the cards I was carrying around and remove the dead weight. I'm really liking my new, streamlined card wallet/cash arrangement.