Do you need a money-belt in Europe?

Should I take a money belt to Europe? It’s a simple question that most would give a simple answer to. But, without complicating matters too much…I’m going to complicate things and give you my answer.
Pretty much everyone is going to say, “Yes, you should take a money belt with you to Europe.” Rick Steves swears by them, first time travelers fumble through them in front of ATM machines and anyone who’s tried them know the ones that go around your neck feel funny. For me the answer is “Yes, you should take one but no you shouldn’t feel the need to wear it everywhere.” Here are my reasons why.


1. First and foremost; sure it is a good idea to have one with you....
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