Stop focusing on adjusted income when literally the only number that matters is GROSS income. Period.
Also, just because you're an "unassuming 5'0" person" and your don't live near any border does NOT mean that you won't have an encounter with the police in some way, shape or form. I'm shorter than you (not sure why your height matters) and someone ran a stop sign and hit my car. An accident that had nothing to do with my height yet the police were involved (and I'm still not sure what your height has to do with any of this). File everything yesterday and worry about the details later, the wait time is long.