High DMI and 100% payback

[greenthinker]

Hi Everyone,

In our situation, we have a high enough DMI for 100% payback over 5 years with some left over each month. That is, at least for now while I am able to work overtime, which is never a guarantee.

Using hypothetical numbers, if our DMI is $1000, but only $800/month is needed to pay back our unsecured creditors 100% over 5 years, do we have to pay the $1000 per month anyway because that is our DMI? I know that would we would finish the plan early, but I would rather be able to stick that extra money in the bank for an emergency fund.

Thanks in advance for your input!

[puggymoo]

Our trustee said it all had to go into the fund. Now saying that we had listed some expenses like medical/dental every month that we don't use so I stick that aside.