earnings, assets, money in the bank and real estate. In exchange for keeping all of these assets, the debtor must commit all postpetition disposable income to the payment of creditors under a chapter 13 plan for a period of three to five years. If the debtor makes all of the payments required under the plan, all of the debtor’s dischargeable debts are discharged, and the debtor keeps all of the prepetition assets. Postpetition disposable income does not include prepetition property or its proceeds. This is the chapter 13 debtor’s bargain. Creditors of a chapter 13 debtor have no claim to any of these assets. See Hagel v. Drummond (In re Hagel), 184 B.R. 793, 796, 798 (9th Cir. BAP 1995); see also 1 Keith M. Lundin, Chapter 13 Bankruptcy §§ 1.7, 1.21, 1.44, 8.17 (2 (Bankr.W.D.Pa.1997) (<HOLDING>); In re Baker, 194 B.R. 881, 885
holding that exempt portion of a lump sum personal injury settlement is not included in disposable income but nonexempt portion is so included holding that projected disposable income for abovemedian debtors is disposable income as defined by  1325b holding that personal injury settlement proceeds are disposable income to the extent that they are not reasonably necessary for the support of the debtors holding that proceeds of a personal injury settlement are not exempt under missouri law holding that a debtors disposable income as calculated under 11 usc  1325b2 is not the same as a debtors projected disposable income but that it can be used as the presumptive projected disposable income