I file 4 returns a year, ours and 3 for our children and grandchild. Fortunately only one lives out of state, so I only have to buy one additional state program. So far the NYS returns have been free, but that could change. I'll have to go over my 2022 return again using the 2021 Deluxe version. It didn't display the federal 8949 form which I think is required. Having the CD rather than the download is handier in case the program gets corrupted and has to be reinstalled.
As far as backups, I keep 3 backups of my system and all my files and store them in different locations just in case of a problem.
Thanks,
cv
