Oh man that was such a n00b mistake. The math is not that difficult. Hah. 29GB plus 10GB= 39GB, all on a 32GB card!
Seriously though I was confused. I'm still not totally clear on how it all works. I seem to see 3 different storage spaces referenced in in the "Storage" setting on the phone:
Now I understand SD Card, but why are phone and internal separate?
Thanks much for your clarification!