It must be chilling to think of someone who got money for Johnny, age 22, because he was a student for four months and a day in 2019 -- and then Johnny qualifies for RR credit on his own 2020 return, when he made $75K with his engineering degree.

Why do people think the EIP's were for the kid?  Did someone see checks made out to the kids?  Anyone? Mr. Bueller?  No, I didn't think so.  The checks went to the adults.  Some of them needed the money more than others, but they all had the option of sending it back.