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I will receive the money because my "income" as a retired person is under the required amount. I don't believe in means testing for government benefits, but in this case, income does not show one's "need" for this money. My wife and I live very comfortably on our investments and savings. My investment adviser does a good job of keeping my taxable income down while increasing my net worth. I will take the money and spend it locally to try and help the small business owner. I know part of the reason almost everyone gets this money is to be an economic stimulus. They want us to spend it. At the same time, I worry about the deficit and borrowing more money China.