What You Really Need to Know About Getting a Fourth Stimulus Check

The pandemic era brought multiple rounds of government relief payments that helped millions stay afloat financially. But with the economic landscape shifting, many people are still wondering: will there be another stimulus check coming? Here’s what the latest on stimulus payments reveals.

Your State May Be Your Best Bet

Here’s the good news: you don’t have to wait for Washington. Nearly half of all states across the country have already rolled out their own stimulus payments or have them in the pipeline. The eligibility requirements differ significantly depending on where you live, so reaching out to your state’s tax or revenue office should be your first move to see if you qualify for any stimulus check details specific to your location.

Federal Relief Is Not on the Horizon Before Elections

Don’t hold your breath waiting for another fourth stimulus check at the national level. Congressional gridlock means there’s simply no pathway for a new round of federal stimulus payments before the election. The previous payment came through the American Rescue Plan Act via a special legislative process, and without the votes to back it up—and given current economic priorities—a fourth federal stimulus appears off the table for now.

Why Inflation Changed the Conversation

The economic calculus has shifted dramatically. With inflation remaining elevated, many policymakers worry that injecting more money into the economy would only worsen price pressures. Additionally, without the widespread lockdowns that characterized earlier pandemic phases, the urgency for broad-based stimulus has diminished among lawmakers across the political spectrum.

Parents Have the Most Realistic Shot at Extra Federal Money

While a universal fourth stimulus check isn’t happening, there’s genuine bipartisan interest in expanding assistance to families with children. The American Rescue Plan Act previously boosted the Child Tax Credit, offering up to $3,600 for younger children and up to $3,000 for school-age kids. Even though Republicans and Democrats disagree on the details, both sides have put forth proposals to expand this tax benefit, making this the most viable avenue for additional federal support.

Don’t Overlook Unclaimed Money from Previous Payments

Here’s something many people miss: you might already be owed money from earlier stimulus rounds. These payments were technically advances on a tax credit, meaning you can file a tax return to claim any amounts you didn’t receive. Even if you missed the deadline to file your 2020 or 2021 returns, you can still submit them—and won’t face late penalties if you didn’t owe taxes. This could be your fastest path to fourth stimulus check funds without waiting for new legislation.

The Bottom Line

Finding your next stimulus payment depends on taking action rather than waiting for announcements. Check with your state government, review your tax records for unclaimed credits, and explore family-focused tax credits if applicable. The stimulus check details that matter most are the ones specific to your situation and location.