I am having a difficult time getting this if formula to work. All of the
individual pieces work fine and three pieces work as a three-argument
statement. When I add the last argument ...
IF(B28="neither",E2+e3+e4+E5+B19+B22+k49 ... I get this error: "You've
entered too many arguments for this function."

Here is the whole formula:

=IF(B28="cash",0,IF(B28="yes",E2+E3+E5+K49,IF(B28= "no",E2+E3+E4,+E5+K49,IF(B28="neither",E2+E3+E4+E5 +B19+B22+k49))))