This is actually try #3 and I am getting so close. This actually may be it but I need to wear it for a few days or weeks to be sure.
The orange pocket is for my gynormous phone. The inside is old t-shirt. So soft.
On the other side. The top pocket is for money and the bottom one is for cards.
Inside pockets always drive me nuts. Now I don't have any!! And i have plenty of room to carry what I need even a small water bottle. Oh and the strap is adjustable from hand bag to cross body.