Hi Mel,

a) put a SYS(3054,11) before, which and when VFP optimizes the query?

b) what are RECCOUNT('Ssperson') and RECCOUNT('Ssperson') ?

INNER JOIN appdata!Ssmoney ;
ON IIF(m.cIsGrouped,Ssperson.familyid,Ssperson.personid) = 
   IIF(m.cIsGrouped,Ssmoney.familyid,Ssmoney.personid)

c) is cIsGrouped a .T./.F. variable ?

if yes, try

INNER JOIN appdata!Ssmoney ;
ON    m.cIsGrouped AND Ssperson.familyid=Ssmoney.familyid 
  OR !m.cIsGrouped AND Ssperson.personid=Ssmoney.personid