If you\u2019re in the market for a niche minimalist wallet, chances are it isn\u2019t one of the Best Cool Wallets. You run the risk of taking the Best Money Clip and turning it into something lesser. With the Nite IZE Financial Tool, quantity over quality is the name of the game. You can see that with its 5-in-1 design, yet strong durability.\r\n\r\nWhy We Like It - Nite IZE Financial Tool\r\nThe Nite IZE Financial Tool doesn\u2019t settle with housing your cards and money in separate areas, but its stainless steel construction allows it to branch out with other functions, like on-board wrenches and rulers.\r\n\r\nAesthetics\r\nAs far as looks are concerned, the Nite IZE Multi Tool Wallet is not a looker at all. To be frank, it\u2019s hideous to look at, like a car without a paint job. Even the CL Carbonlife Carbon Fiber is simple in looks, yet its carbon fiber construction looks good in comparison.\r\nDurability\r\nWith that said, its stainless steel construction does give it unmatched strength. It\u2019s designed in a way to withstand abuse, such as bending and breaking. This is because the Nite IZE Cash Wrap Strap Scraper Tool is very low on the scale of flexibility.\r\nPerformance\r\nSpeaking of holding cards, the Nite IZE Money Clip is lackluster in that regard as well. It\u2019s limited to about four debit\/credit cards. To be fair, it isn\u2019t as bad as the Victorinox Swiss Army Money Clip only holding two cards, but still a far cry from the average.\r\nSize & Versatility\r\nThe Nite IZE Financial Tool is 3.5 x 2 x 0.26 inches and 0.09 lbs of stainless steel metal. But it isn\u2019t just a simple design, it actually has multiple functions; in fact, it has five. It can be a money clip, credit card holder, bottle opener, standard-sIZE and metric wrenches, and ruler.\r\nValue\r\nIf Nite IZE was getting rid of the Nite IZE Financial Tool for anymore than $10, we would\u2019ve called it out for highway robbery. Thankfully, it\u2019s under $10, so the value it offers stays intact. But, honestly, it\u2019s very niche to begin with. Who needs a bottle opener on them at all times? And the wrenches and rules pale in comparison to their better counterparts. Versatility is nice, but if you\u2019ll use none of those functions, get the VIOSI Money Clip Leather Wallet instead.\r\nNite IZE Financial Tool Wrap Up\r\nThe Nite IZE Financial Tool went to the School of Quantity Over Quality. Having a minimalist wallet that has a 5-in-1 design is neat in theory, but not so in practice. You\u2019d get more value out of having more space for cards or better aesthetics. Its construction is strong, we\u2019ll give it that. And you can hold both cards and money, separately.