up to my neck

ADJECTIVE
13 LETTERS · STARTS WITH U

up to my neck is a valid 13-letter word worth 23 points in Scrabble and 27 points in Words with Friends.

SCRABBLE WORDS WITH FRIENDS
U1P3T1O1M3Y4N1E1C3K5
1 + 3 + 0 + 1 + 1 + 0 + 3 + 4 + 0 + 1 + 1 + 3 + 5 =23 PTS
DOUBLE WORD → 46TRIPLE WORD → 69
MEANING

What does up to my neck mean?