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While the construction isn't fantastic, I didn't necessarily hope for the greatest product considering it was $10 and free shipping. I've experienced no chipping, magnets falling out, etc. but I have had problems with it actually holding money -- the magnets don't stick together flush, and when they are aligned well, they're too far apart to adequately hold onto bills.
It's more of a gimmick then anything... nice conversation starter/piece of nerdy-awesomeness
I think the problem is you just have too many bills :)