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Receiving #!REF Error Using IF formula

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I am curious as to why I am receiving the Cell Reference Error. As the Cell Exists. I have a dropdown list with Period 1, Period 2 in J4. How am I supposed to reference text?. The issue also occurred when I switched the list to just values 1,2. My End Goal is to have the Cell Titled "Amount Needed in Checking to show the total cost of a certain amount of expenses

submitted by /u/Mountain-Opinion-378
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