I'm open to corrections if I've got this wrong

THE STIMULUS CHECKS ARE DESCRIBED AS "AN ADVANCE ON REFUNDABLE TAX CREDITS"; SO WE'RE NOT GETTING "EXTRA" MONEY, WE'RE JUST GETTING IT SOONER. (SHOULDN'T THIS MAKE IT RELATIVELY BUDGET NEUTRAL?); THIS WILL BITE MOST OF US IN THE BUTT COME TAX SEASON