Oooo, you have kids!!! That means you'll get the $3,200 in stimulus money for the USC (your husband?)
Husband stimulus - $3,200
2019 - $1,400 Child Tax Credit x 2 = $2,800
2020 - $1,400 Child Tax Credit x 2 = $2,800,
2020 - Stimulus payments for children of $500 x 2 = $1,000, Second payment of $600 x 2 = $1,200
2021 - $1,400 Child Tax Credit x 2 = $2,800, and stimulus payments $1,400 x 2 = $2,800
So by catching up on the last three years of taxes you will collect $16,600!!!!!! Plus interest!!!
Granted the backlogs are enormous and it'll probably be 18 months to 2 years before you actually get the money, but that is NOT a small chunk of change. Well, I would suspect it's not. Might not be a big deal to you.