@morgantwebb401 - in the end it will not matter - you'll get the money, but maybe not as quick as you hoped.
if the IRS uses 2018 tax return to assess your stimulus, as you note, you won't get the stimulus now..HOWEVER,
- The stimulus payments are really based on your 2020 tax return (income, dependents, etc).
- The IRS is using either 2018 or 2019 – whatever is available - to ESTIMATE that payment
- When you file next year there will be a “settle up” section on the tax return.
- If you are due more stimulus (and this would include where you simply never received it), you will receive it through the 2020 tax filing.
- If you received too much, by law, you are not required to return it
so in the end, it's really your 2020 tax return to be filed next year that matters!
suggest just sitting tight and maybe you;ll get lucky and they used 2019 tax return to assess your stimulus, but at least you know what Plan B is!
https://www.businessinsider.com/personal-finance/will-we-have-to-pay-back-stimulus-check-2020-4
