@Alex480
If you don't use any add-ons (e.g QB Payroll, QB Payment), you can keep using 2021 for good.
The potential problem is the bank feed feature after May 2024. You can download .qbo files from your bank BUT you can't import directly into your QB Desktop. If your bank provides *.csv files, you will need to use a 3rd party tool to import it into QB Desktop. It's a $199 one time license and you can get $100 cashback to purchase the license from a partner.
https://get.transactionpro.com/qbd
