Thank you very much for your detailed and informative reply.
RE "You do not say whether your friend received stimulus checks #1 or #2 while still married -- so we cannot comment on whether she should be using the 2020 recovery rebate credit to get any of that stimulus money." --xmasbaby0:
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My friend and her then-/ex-husband stayed very amicable throughout the divorce process. They continued to share their joint bank accounts until mid-January 2021.
The two Stimulus Relief payments-- for her, her husband, and their kids as applicable-- were direct-deposited into those joint accounts by the IRS(?), then simply shared/spent along with the other funds in the account(s), by each and both her and her husband, as they each desired.
-Alvin
