MS Money 2005 beta tester here 🙂
I signed up for the beta so that I could upgrade from Money99 (honestly speaking, that's "upgrade for free"). I use Money everyday for general savings, checking, and credit card tracking. I also following my retirement mutual funds religiously (yes, last 2/3 years have been tough). Anyway, ...
I find that 2K5 is very heavily oriented toward the web. You *have* to have a Passport just to create a complete new Money file. (Yes, you can later disassociate the file from the Passport). I feel this requirement is a little over the top. If you keep the Passport association, you account balances will magically find themselves on the web at MoneyCentral (Passport-protected, of course). Anyway, I did not like that idea at all. None of my Money data is synced to MoneyCentral. Also, my software firewall goes crazy when I open 2K5, as it tries to make several HTTP calls all over the place. Granted, some are legit (to update stock prices, for instance), but just a little too much for my tastes.
I also track my U. S. Savings Bond purchases in Money, which may be the hardest feat known to man. It's ironic that the Treasury Department releases free software that will tell you the value of your bonds, but Money cannot. Even if Money could just import data from the Treasury's utility, I'd be more than pleased.
Although I haven't given Quicken a serious look, I really like the way Money let's you analyze your finances. Having bought a house (err, condo ... this is the DC area where stuff like houses ain't cheap) earlier this year, just graphically seeing your financial trends is truly eye-opening, if not down-right embarassing at times. (thank you, AT Hot Deals!). I would be surprised if Quicken did not do something similar, but I've grown accustomed to Money's ways of doing things.
All in all, if you are willing to invest the time to accurately track your finances in Money, I don't think you'll be disappointed by this later release (or anything prior). Software will not find money for you, and you have to be brutally honest, no matter how bad seeing the state of your finances makes you fell. Numbers, my friends, do not lie. If you don't make it (salary-wise), you should not spend it.
-SUO