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I keep my IWB holster at approx 4:00 as well, but I always put my wallet in my front pocket. Serves three purposes: 1) no danger of flashing your firearm while reaching for your cash; 2) more difficult to pick-pocket (I think...); 3) keeps it off my butt b/c it's painful to sit on my wallet for too long while in the car.
My suggestion: start putting your wallet in your front pocket.
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HK45c V1
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