First, thanks to everyone who helped me through my impatience and need to tinker lol. My current set up is 20 gallon, no live plants all artificial decor and gravel substrate (like most beginners). I have 5 Zebra Danios, 4 Platys, 1 Bristlenose pleco, and 10 Cardinal Tetras (11 if you can't the baby I found swimming yesterday). Running an Aquaclear 70 on low flow with sponge and 2 bags of bio media and sponge filter cut to fit on end of intake, a Marineland Penguin 150 with extra sponge inside, small bag of bio media and filter sponge on intake as well. I ditched the cartridges and just wrap bulk filter material around an old emptied plastic cartridge. Water is crystal clear which I obsess about, fish seem very happy and healthy. Weekly water changes to keep Nitrates down around 5ppm. Overkill? Over stocked? am I inviting future problems? I just like to look at a tank with fish swimming all over, wasn't going to go with so many originally, but was told the tetras don't have a very high bio load and will be fine. The person I get my fish from has a 500 gallon tank that is loaded with fish, clown loaches that are over 22 years old and huge, so I trust somewhat what he is telling me, lol