It's nice to see you here in the thread, @DebbieA. I'll share some details about your concern so you can get through and access your files in your QuickBooks Desktop (QBDT) account.

Since you don't want to upgrade your QBDT application to the latest version, you can consider using the QuickBooks Desktop 2021 free trial version. This way, you can access your files and convert them.

You can visit this page to download a 30-day trial of QBDT: Download a trial of QuickBooks Desktop.

Also, you'll want to make sure you have a backup copy of your company files before you decide to upgrade. Once your file is upgraded to a higher version, you won't be able to restore it in the lower versions of QuickBooks Desktop.

Feel free to refer to this article for more information about creating back up files in QBDT: Back up your QuickBooks Desktop company file.

Additionally, I've got you this article in case you want to migrate your QBDT files to QuickBooks Online: Move your QuickBooks Desktop file to QuickBooks Online.

You can also visit this page to learn more about the limitations when you convert your Desktop files to QBO: Learn how features and data move from QuickBooks Desktop to QuickBooks Online.

Should you need further assistance managing your files in QuickBooks? Or do you have any additional QuickBooks-related concerns? Feel free to get back to me anytime. I'll be happy to help you out once again. Take care, and have a good one!