Thanks Peter, I did click in there and I have 5.1 GB memory available. I don't think that the reserved is factored into the 9gb used as the total of used plus unused is 14gb instead of 16GB. I'm just using way more ram than I expected if I believe the Samsung device care number.
I did a fresh install so it's likely from all the apps I've been manually installing and configuring. Just wanted to point it out as there is a 2+ gb reporting difference. It may not be a bad thing that the phone tries to use any available RAM.