I just need to be clear on this - you only need to worry about your bank balances on the day you actually FILE, not the date of your 341, correct? I'm in PA, and have to use the PA exemptions because of my home, so I don't have much wiggle room. I'll need to have next to nothing in the bank, but I just need to be sure that it is on the filing date only. If you have $$ in there on the date of your 341, it's OK, correct? We'll do everything legit - pay some bills, buy some food etc. We never really have a whole lot in there, and everything else, we've got is in qualified retirement accounts. I just need to be sure.
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