Answer:
To calculate the total expenses of Jose and Lisa Sanchez in the given scenario, the formula that should be entered in the spreadsheet cell is =SUM(B10+B23+B40). This formula will sum up the fixed expenses in cell B10, variable expenses in cell B23, and the pro-rated non-monthly expenses in cell B40 to give the total expenses for the month. Therefore, the answer is option D: =SUM(B10+B23+B40).