Maybe somebody can explain this to me

I do not understand financing. My mind closes up shop, and my eyes glaze over. That’s why my amazing wife does the taxes. My job is to rub her shoulders and keep her coffee cup filled.

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Anyway, I was reading on The Hill about the government’s pandemic payout, and they had this to say, which makes no sense to me.

The payments are essentially an advance on a credit against 2020 taxes. People who receive advance payments based on their 2018 or 2019 income but qualify for a bigger credit amount based on their income this year will receive the remainder of the credit amount to which they are entitled when they file their 2020 tax returns next year.

Recipients will not have to pay any money back to the government if their 2020 income is greater than their income in previous years, according to a Republican aide for the Senate Finance Committee.

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Can one of you smarter people tell me in layman’s terms what this means?