Contributed to IRA and Roth IRA while not working

If you do not withdraw the excess contribution, you must report them each year on form 5329 and pay an excise tax of 6% for every year the excess remains in your account.

You need to amend your 2023 return and pay the penalty.    It is too late to remove the excess.

For 2024, your penalty is the combined total of your 2023 and 2024 contributions, because both are excess.  This won't be figured correctly by Turbotax unless you manually tell the program you had uncorrected excess contributions from the previous years.

Do you plan on resuming work?  If you work in 2025, then you could leave the excess in the account, pay the 6% for 2024, then apply the excess as a 2025 contribution and "use up" the excess. (Or you can contribute based on a spouse's work income to use up the excess.)  However, if you don't plan on working again, you will pay 6% on the combined excess for every year the excess is still in the account.

You can remove the 2024 excess by a special procedure before April 15.  The 2023 excess can't be removed that way, you have to leave it in the account until after April 15 and then remove it by a different procedure.