I had a holdall with open pockets and a large velcro flap that I put my wallet in. The system was heavy. I also had to wear my iPhone around my neck. I've had many occasions where my wallet and loose credit cards have fallen on the floor. The My Hero Neck Wallet replaces the pouch. I bought some window inserts for the center zip pocket with cards like ID and insurance. Credit cards can be easily stowed in the lower zip pocket. Money is stored in a zippered side pocket. The top zip pocket is for my health printouts, great idea. My iPhone 6 Plus fits into a full-length back pocket with Velcro closure. I attach a key holder with keys and a door keychain to the bottom tongue of the zipper. I wear this lightweight backpack around my neck when I go out. When not in use, the wallet stays in my carry-on or power chair bag and my phone is separate. I love how light and secure my Hero Neck wallet is compared to any other system I've used. If you think the price is a bit high, remember that value is remembered but price is forgotten.
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