Retirement tax questions

Hi, this is a bit concerning to see differing responses, as well as the software appearing to show that even with zero earned income in 2021, it is "ok" to claim the credit.  This actually shows on the screen as a choice as to which year to apply.   I read that the penalties for incorrectly completing this can include a disallowed use of the credit for up to 10 years.  This makes me a bit nervous as to whether the Turbo Tax return, with a credit showing on the forms, is accurate or a problem.  Keep in mind, I am following instructions in Turbo Tax.