Maximizing the Child Tax Credit (even without earned income)

So you’ve done the impossible – retired with young children (or retired and then had children.)

Congratulations, you are eligible for a generous $2,000 Child Tax Credit (per kid.)

But if you no longer have earned income and/or already have a low/zero tax burden, you could miss out on thousands of dollars.

This is how to avoid that. (This is especially important now that we have doubled our potential for Child Tax Credits.)