When you file your taxes, you have to report the full amount that was contributed for that tax year, not in the year, not during the year, but attributed to that tax year.
The rules let you pick which year you are contributing to until the tax deadline in April each year. This makes things a little more confusing and you have to be more careful.
Example:
You contribute $3,000 during $2023.
You realize you are getting a refund and can afford to save more money. You go to the broker and they ask do you want it to count as 2023 or 2024? You can choose 2023 as long as you don't go over the limits based on your income, age, and filing status. You can also just pick 2024
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