Here is a pretty solid laptop for normal office work for $450. https://www.amazon.com/Acer-A515-45-R74Z-Hexa-Core-Processor-Graphics/dp/B09J1MXS2Z/. It’s an Acer Aspire 5, which is a solid mid to budget laptop. The display and build quality are mediocre but good enough for the budget. The processor is great and will last a while. The laptop comes with 8GB of RAM and 256GB SSD which is good enough for now. The laptop is upgradable so you can add more RAM and SSD in the future pretty easily yourself or for a small service fee at a computer store or Best Buy.

Laptop speakers in this price range will always be very mediocre. Good enough for Zoom but if you want to appreciate music get some headphones. A pair of budget IEMs can be pretty good. Idk about this exact pair, but I have an older $20 model from them that have worked really well for me. https://www.amazon.com/Earphone-Earbuds-Headphones-Compatibility-Computer/dp/B08TQQ4QVR/