After you file

Thanks for the quick reply.

 

Unless I’m misunderstanding where the AGI comes from, it is too high because of my taxable income. My situation for 2021 is the same as 2020. In both years, I moved money from my T-IRA to a Roth and I was taxed on it. That taxable “income” made my AGI too high to get a stimulus check even though I haven’t physically received any of my own retirement funds. Without that I would have been under $80k in both years.

 

I had no earned income either year — only 1099R, INT, DIV. Do the rules of the stimulus disqualify me simply because I had to pay taxes on money I had already earned, just moved into a different retirement account? That’s not fair.