I’m with you on the subscription model. After years with MacMoney then the various Quicken versions including Q2007 forever, I was ready to try another option. Then I tried Quicken Deluxe in 2020 and since then I am very pleasantly surprised. Like Glenn said, they really seem attentive to updates and fixes and it does everything I need. I’ve been a heavy Quicken Direct Connect user since that feature was offered and just about a month ago I was shocked when Wells Fargo dropped their $9.95 monthly fee for using QDC with them. I do all bill pays though the register and all accounts are on auto-reconciliation. Fast, accurate and reliable.