yes, this is complicated
1) amend both tax returns (the non-filer is really a simplified tax return). will take at least 4 months for that to be processed and no guidance from the IRS whether they will immediately turn around and process the stimulus after processing the amendment
2) ... are you willing to wait for the stimulus until you file your 2020 tax return? no need to amend this year and it'll work itself out next year
- 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 as an additional refund
- If you received too much stimulus (not the issue here), by law , you are not required to return it
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