You would need to amend your 2024 tax return to make the correction by filing Form 1040-X and Form 8606. (Other forms could be involved if the reduction in AGI affects other forms.) It's generally advised to wait to file the amendment until after the IRS has processed your original tax return. Given that the balance due is to be debited from your bank account near April 15, I would wait until at least then to file the amendment. You have until April 15, 2028 to file the amendment, but it makes sense to do that much sooner so that the tax file that you transfer into 2025 TurboTax will have the correct amount of basis on the IRA Information Worksheet.
I haven't used TurboTax to e-file an amendment, but I think I've heard that TurboTax now accommodates doing so. Otherwise you can file your amendment on paper.
