Your mistake is that you think your 2019 income should be used. No. The stimulus is an advance credit that is given to you based on your 2020 tax return. When they hurried to send out those checks last year they had to use either 2018 or 2019 returns for the information. But if you are using the recovery rebate credit then it is correctly calculating your stimulus amount based on your 2020 income----and you are subject to the phase out if your income exceeds the limit.
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