Yes, this is correct but you will have Form 5329 on your 2024 return showing that the distribution resolved the excess contribution.
Yes, you can file your 2024 return and then amend your 2022 and 2023 returns. Please see What is the deadline for filing an amended return?
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
