Function has too many arguments...

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Why is excel telling me that this formula has too many arguments?

=IF(TODAY()>=B9+15,"PAY NOW","HOLD",IF(u9="PAID","PAID"))


I am stationed on cell T9 which already has the function
=IF(TODAY()>=B9+15,"PAY NOW","HOLD")

But I want T9 to show PAID if U9 shows PAID.
Many thanks, Jose Cruz

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try in T9

=IF(U9="paid","Paid",IF(TODAY()>B9+15,"Pay now","hold"))


in your formula for an if condition there are only two alternatives one if if condition is correct (pay now) or if the if condition is wrong then the third argument (hold). there cannot be any other choice. that is why error.