@Pamawoman21 

You are using QB Desktop 2021 with a non subscription license, correct?

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

If you prefer to keep using the bank feed feature with QB Desktop with a non subscription license, you can contact @Fiat Lux - ASIA. They can share an option to explore.