Is the statement about retirement contributions correct for this taxpayer for tax year $2024?$

Is this a correct option $?$

Taxpayer made an excess contribution to their Traditional IRA in November $2024.$ Taxpayer is $53$ and realized that they did not contribute the maximum in $2023.$ Taxpayer can apply that excess contribution in $2024$ to $2023$ and avoid a penalty for excess contributions.

$(3)$ This question may have more 'than one sub$-$question, which will be delivered one at a time on confirmation of your answer:

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