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I always felt that membership on the Ways and Means Committee of the House of Representatives should be conditioned on passing the EA exam. Tom Sparks, NV

Yesterday I decided to learn more about the new CTC, advance, repayment etc. I ended up more confused than when I began. The advance phases out after AGI of $150k MSJ, $112k HOH, and &75k all others. The phase out is $50 for every $1k over. I didn't do the math to see where it ends. The normal $2k credit begins to phase out at $400k MFS and $200k everyone else. Repayment has a couple of safe harbors but I couldn't figure out how they intertwine--something like no repayment for AGI $120k, $100k, $80k, and full forgiveness up to $2k if IRS claimed the advance on too many kids for AGIs less than $60k, $50k, $40k. I might have the above all mixed up, but notice how every calculation has a different AGI starting/ending point? Who came up with this confusing/complex/no rhyme or reason perplexity??? I think we're all going to have to do something we hate to do--blindly rely on the software. Or maybe we should all demand that any politician who wants our vote have to submit the answer to the CTC for, say, a couple with three kids making $190k, and show proof of work done by hand!

RE: NYS + EIC (not unemployment). This addresses Carolbeck's post. I had the same thing happen. NYS changed EIC and I thought I was wrong until I read HVKen's post and reviewed the instructions. NYS is allowing the use of 2019 income but you had to enter a Special Code on IT-201 Item G. It's Code P3. See Form IT-215 Instructions page 2, left hand side, just above "Worksheet A."