Taylor SS Fifth cash envelope walletThis wallet is made of an embossed shiny black vegan leather body, with a black linear grain pen flap. It has a black faux suede interior, with gold or silver hardware throughout. The item comes with the detachable pen on the flap included in the purchase. As a cash saving wallet that uses the cash envelope system, this wallet comes with five budgeting sections PVC envelopes for areas that we often have to keep track of on a weekly basis (Commute,