I do not need payroll.

While I used to have multiple companies, I now am using QuickBooks Pro 2018 purely for my family's personal finances, my wife's psychological practice, and my mother-in-law's personal finances.  So everything is on a cash basis with no inventory.  I realize using QBP for personal finances is a bit of a kludge, but I already owned it and was able to make it work for me.  However, I'm switching CPA's and that CPA wants access to better slice and dice our numbers.  I thought QBO Simple Start, which had no problems pulling in my mother-in-law's finances and then connecting to all of her bank and credit card institutions, was the answer to my dreams.  I hadn't realized how good things could be moving from QBP 2018 to QBO.  I figured I would move my other 2 company files to the same QBO subscription, so I didn't mind paying $30/mo for that kind of convenience - even though I had been paying nothing to maintain QBP 2018.  But having to pay $90/mo for 3 company files, which is $1,080/yr, is just too pricey.  So I'll either have to force the CPA to take a QBP 2018 Portable Company File and use that or I'll need to move to a competing online service that provides better value and flexibility.  Either way, Intuit doesn't win my business.