Normally, I just drop my entire wallet in there. No difference then when needing it--i just grab it out and business as usual.

Sometimes, I have tried a money clip with a credit card and driver license.

In either case, change just gets tossed in and collects at the bottom. I don't usually even try to grab change after that. It becomes too difficult to get the change out from the bottom. I like the idea of a small change bag inside.