First you do NOT need to ever pay back ANY of the advance stimulus payments EVER.
Next if you have kids under the age of 18 then the new increased CTC could be affected since there are 2 separate phase out ranges for the 2021 CTC so if your income is too high you will get a reduced CTC.
https://www.irs.gov/credits-deductions/2021-child-tax-credit-and-advance-child-tax-credit-payments-t...
NOW you have 10 years to deplete the account so you may want to take distributions slower over more tax years. This is where a local tax pro would be handy to advise you of the tax implications and your better choices to implement.
