The 3rd EIP was sent out in a hurry during 2021 so they could use 2020 information to hustle the checks out. But the credit is really based on your 2021 income. If you got the stimulus check already you do not have to pay it back, but if you are trying to get it on your 2021 tax return you are subject to the "phase out" for your 2021 income. Sorry.
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