I have the same problem. Here is my situation. My spouse has earned income that is reported in her name on Schedule C (it is 1099-NEC income). I have W-2 income, but I also have a separate business reported on Schedule C that has incurred a loss. Note that my TOTAL earned income is greater than zero. However, it appears that TurboTax is not allowing me to enter Child and Dependent Care Expenses because it is only looking at my Schedule C loss and is ignoring my W-2 income when it comes to form 2441 processing. I can confirm that both my spouse and my incomes have been entered properly using our names and SSNs as appropriate.
It looks to me as if TurboTax needs to be updated to look at ALL sources of earned income for each individual, and not only at Schedule C income when it shows a loss. As it is now, I cannot figure out any way around this problem. I cannot even seem to edit form 2441 manually.
