My meeting with the new attorney went fantastic

[runnersdelig]

yes, we're contributing. I'm contributing 3% and DH is contributing 6%. Are you suggesting that we increase our contributions? If so, how does the trustee view that?

[lmaosm]

I'd contribute the max, but ask your attorney.

It all depends on when you file IMHO.

[BarkingCat]

Not for chapter 7

Are you contributing to a retirement fund? I would assume that could also help your cash flow in your test as retirement funds are not available to creditors.

Only non-voluntary retirement fund contributions can be deducted in the means test. Most 401k contributions / loan payments can't. That said, if you are going with a Ch 13, both can be included in your expenses. Fair bit of case law around this.