has a generally rectangular wallet structure 20 with a top 21 a bottom 22 a hinged side 23 and a connector side 24 the wallet structure 20 is comprised of two halves 25 26 each pivotally joined along one edge said joined edges forming the wallet structure hinged side 23 the two halves 25 26 are adapted to being folded about the hinged side 23 against each other and enclosing the wallet internal arrangement 10 when closed the wallet 1 presents an exterior surface 27 the halves 25 26 each have four edges 21 u2032 22 u2032 23 u2032 and 24 u2032 which are adapted to forming a water tight seal when the wallet 1 is closed each wallet half 25 26 forms a wallet wall 30 with an exterior side 31 forming a portion of the wallet exterior surface 27 and an interior side 32 supporting the wallet internal arrangement 10 each wallet wall 30 is comprised of a plurality of layers the first layer 33 forms the wall exterior side and is comprised of a water impervious material this layer 33 may be transparent as well the second layer 34 is comprised of leather or other decorative material said second layer 34 being adjacent said first layer 33 the first and second layers 33 34 may be combined and made of a material which is both decorative and water impervious the third layer 35 is made from a hardened material such as stainless steel hard rubber hard plastic or the like the fourth layer 36 is made from the same material as the second layer.