Excel Power Query custom column formula nested if and or statement

Lhansen435 

That could be like

    AddCustom = Table.AddColumn(Source,
        "Custom",
        each
            if List.Contains( { "D", "H", "M", "N", "P", "R", "T", "W"}, [Status] )
            then
                if [Date] > #date(2020, 12, 31)
                then
                    if ([Balance] > 0 or [Withdarwal] > 0)
                    then 4 else 5
                else 
                    if ([Balance] > 0 or [Withdarwal] > 0)
                    then 7 else 10
            else
                if List.Contains( { "A", "B"}, [Status] )
                then
                    if ([Balance] > 0 or [Withdarwal] > 0)
                    then 1
                    else 2
                else
                    if List.Contains( { "E", "F", "S"}, [Status] )
                    then 3
                    else
                        if [Staus] = "Z" then 9 else null
    )

but perhaps more effective will be make referenced tables, filter and combine back; and/or add intermediate columns for the conditions. That all could affect performance and could be critical on large files.