....We use credit cards for 99% for our expenses (what we spend in cash is minuscule and not worthwhile to track), and Quicken can download all transactions off the banks, and automatically classifies the expenses for us. For example, it "knows" that what we spent at Safeway is for groceries, and at a Shell station is for gas. If I had to do it by hand, I would not track everything because it's too much work.
We also have several tIRAs, Roth IRAs, 401ks, and brokerage accounts, and as I hold individual stocks, the trouble Quicken or any other software for that matter saves me from having to enter in all the dividend payouts is worth the cost. And I love to be able to search up any expense I incurred, any check we wrote, or to call up the gain/loss and income from any account, or to look back at any stock transaction.
In other words, there are other software that can help minimize my data entry, and Quicken just happens to be the one I use. And I have to use one, in order to save me time to surf the Web.
