@wallpipe - just a further explanation on how this stimulus scheme worked, because it can be confusing.
for the 1st two stimulus , they were what was called '2020 advances', so since the IRS couldn't know who was eligible since 2020 wasn't complete yet, Congress tasked the IRS to ESTIMATE what everyone was due using their 2019 tax return (income, dependents, etc) or 2018 if 2019 wasn't available.
Then, the IRS is re-calculating what you are due on your 2020 tax return based on your actual 2020 income, number of dependents,etc. that is what you are ACTUALLY due.
if the ACTUAL is greater than the ESTIMATE, the difference is placed on Line 30 and it is called a 'Recovery Credit".
if the ESTIMATE is greater than the ACTUAL (your situation), the difference does NOT have to be repaid and Line 30 is zero; Line 30 cannot be negative!
so everyone gets the greater of what they were given in stimulus or what is calculated on the 2020 tax return as Recovery Credits , with no requirement to return anything to the IRS.
make sense?
