I'm a world traveler and was looking for a way to hide my main money stash when I'm staying in places where my room isn't secure. This is pretty good. Just don't confuse this for a wallet replacement. Here's why:1. If you keep this on your bra (side or front), you will not have access to it all day long every time you need to get to your money. Picture yourself reaching up your shirt in a marketplace. I suppose it's easier to pull out if it's on your hip, but see #2:2. The design of this thing is such that there's a little flap over the top, like an attached lid. There's also a Velcro strip for going around your bra strap/panties/whatever, and when that's in use it actually covers and locks the lid closed. So, while it's attached to your body, you cannot just slide a credit card or money out of it-- it's locked shut by the Velcro. That's great for security, but it means you're not just reaching under your clothes and sliding out a card to pay for something. You have to remove the whole thing. So, it's not descreet enough to be getting into and out of it all day.HOWEVER, 4 stars because it's a great product if what you want it for is a place to keep your backup money that you don't need that day. This is a long term storage place for your money that you don't need today but didn't feel comfortable leaving in your room/dorm.Comfort: I put a couple of credit cards in it and wore it around the house for a day on the side band of my bra, and forgot it was there pretty quickly, as it's very soft. I also put it on the hip of my bikini underwear for a while, but I didn't like that quite as much, as when I went to the bathroom I didn't like being worried that it would come off. Less movement on the bra. I didn't try the front of my bra, as that seemed silly and the other way worked perfectly.Update: I've been abroad with this for a week now. Lost 1 star for 2 reasons:1. The Velcro sometimes scratches your arm or body-- ouch! I now wear this upside down and the problem was solved. (Nothing falls it because the strap covers the lid.)2. This is made of soft material, and as such it doesn't have much structure. Because of this, and because you have to fold bills in quarters to fit in there, it's a little bulgy. I wear my clothes loosely so I don't notice it, plus you can put it on the inside of your side bra strap to help hold it closer to your body, but there's a limit to how much cash you would fold in there before noticing a bulge. If you wear tight fitting clothes you're best off using this for credit cards since they stay flat, and no more than 1 bill.