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LLuck2,
Congratulations on your upcoming retirement. You have been doing what many of us have been doing. I still use a 2016 desktop version because I don't need bank feeds or payroll.
I had a friend ask me the other day to come over and give him some tips on Q Books. He was using Q Books Online. It is soooo different than the desktop version. It was almost like re-learning a whole new software. It about drove me nuts. Fortunately, all the basic principles and functions are there, so one could get used to it if they haven't grown up on the much more familiar desktop version.
The reality is that even if someone developed a new software today to compete with QB, they would most likely do the same thing as every else and offer cloud based subscription only. I get the feeling that stand alone software, like many other things, will soon become extinct as our generation eventually slips away to various happy hunting grounds.
Museum Guide: "And over here, young students, you can see a piece of software that you could actually run and use without ever needing to hook up to the web!"
Students: "Wow, they used to run a computer without the web? All by itself?"
Museum Guide: "Yes, they really used to have such a thing! I remember my grandparents thought it was the greatest thing ever. They couldn't ever get used to this 'internet' thing. We had to actually go to their house and talk to them face to face to show them how to do anything. Just imagine...."