Yes, I agree that the 2020 tax return won't be altered by a 3rd stimulus payment. It's ready to go. BUT...if I file now and they see my increased income, wouldn't they send me a lower third stimulus payment? If I waited, they may base the payment on my 2019 return and then I'd get a higher 3rd stimulus payment. After I get that payment, THEN I would file the 2020 return. Of course, this all assumes the IRS will base payments on the latest tax return they have on file and not require you to file your 2020 return to get the 3rd stimulus check....
