If each user has only one wallet, (Table user has 'wallet_id'), what about using
$Wallet = $_User->wallet->load();
BlooGrox, this thread is a couple of years old. Are you still around? Sorry I never saw your response.
Putting the user_id inside the schema wallet is interesting. As long as you have defined your models correctly (Has_one and belongs_to), then
$this->User->wallet->load();
should work just fine.
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