The state of Virginia allows filers to use a “wild card” that is, any "unused portion of homestead (of up to $5000) OR personal property exemption" on any personal property. I'm confused on the “OR unused personal property exemption” part of the statute. Now, for example, Virginia has a “tools of trade” exemption in which up to $10,000 worth of “tools, books & instruments of trade needed in your occupation or education” is exempt. Let’s say I have $3,000 worth of property that falls under “tools of trade” leaving me with an unused portion of $7,000. I have $4,000 of non-exempt cash in my bank account at the moment of filing. Can I use part of that unused $7,000 to cover my cash savings?