I'm having so m any problems with Money 2005 and I really regret upgrading. I had problems sometimes with Money 2004 but not so many. They're having serious compatibility issues with MSN Bill Pay, which is deeply ironic since of course they're both Microsoft services. In the past their tight integration is what kept me paying for the MSN Bill Pay service even though I could use the free bill payment service through either of my banks online. Sigh. I switched from Quicken about 4 years ago and I've been using Money ever since. All of my data is in there, I know how to use it, all of my bill payments are set up through MSN... Damn in! I wish they would fix my problems, but I don't think that's going to happen anytime soon. I could start a fresh file and go back to Money 2004 but they say that might not fix my MSN problem. I can't even pay my bills reliably. The Money team has been very nice and tried to help, but I fear I'm going to have to give up on Money. Whah! What a huge pain in my ass.