if you haven't receive the 2nd stimulus by now, you won't. The IRS stopping sending them out, by law, back in January to prevent exactly the situation you are asking about.
the way the stimulus works is as follows
1) the IRS ESTIMATED what you were due based on your 2019 tax return (or 2018 if that wasn't available)
2) the IRS determined what you were ACTUALLY due based on your 2020 tax return.
You are eligible for the greater of the two.
if the ACTUAL is greater than the ESTIMATE, it will appear on Line 30
if the ESTIMATE is greater than the ACTUAL, Line 30 will be zero and you do not owe anything back. LIne 30 can not be negative.
so if your 2019 income was high and you didn't receive the full stimulus, but your 2020 income is low, then you would receive the stimulus difference on Line 30 as a 'Recovery Credit" . so your question if TT is correct, is 'Yes, it is correct'.
does that help?
