Hi ValleYum - I was wondering about your situation..."over the medium Ch 7" which is where I might be (kinda hope to be) by maximizing allowable exemptions. I pass the means test mostly because we have some higher monthly expenses: a higher mortgage than the IRS allowance of $1650 (ours is $2400) plus childcare $800 and health insurance $940. I also give to charity $60, have internet $60, life insurance $40, .... and some other little ones. I'm just curious about others in Florida. I'm in south florida. I'm gonna read some of your earlier posts. Any tips are appreciated. Thx