Quicken is a fine product Don. Essentially it offers the same thing as Microsoft money. There really isnt a whole lot of difference between 04-08 versions dependent on how deep you want to go.

If you want to start tracking investments in your fidelity account (as an example) and have that data downloaded, or pay bills online the current versions of those softwares make it a fairly simple affair. The newer versions also make it simple to download your bank statement and reconcile the statement to your check book, as well as eliminating some data entry.

The biggest asset to the newer versions are the ability to download and track credit card spending. Most CC companies now provide catagories for expense incurred in the statement period, again a nice data entry savings and catagorizing feature.

If you need to do a budget and get some reports on what your spending where and when, the version you have should suffice no need to upgrade, however most of the input will be manual.