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Money 2004 Ver 12.0 - Adding new transaction corrupts file and prevents exit

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I've reached a point where adding a transaction seems to work, but when I exit I get a message starting "Money was not able to properly initialize Online Services...." or it crashes.  On restart it complains about a corrupted file but cannot fix it.  I can restore from the backup and as long as I don't create new transactions it is fine.

I thought it might be the file size (16,617,472) and tried deleting some old accounts.  This did not help.  This is on the latest Windows 10.

Perhaps there is a later version available that I can use.

Any thoughts?

Update: I found Money Plus Sunset Deluxe on Microsoft's web site.  It wouldn't convert the current file, but it would convert one from a few days earlier.  So far it seems to be working ok.

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