If you simply want to exclude account information from the Account Bar and reports, you can always create several accounts in a single data file and customize Quicken to hide the accounts you don't want included at any one time. If there is any chance that you will ever want to track accounts together, you should create them in a single data file because it is not possible to merge data files at a later date.) (You can track transfers between accounts only when they exist in the same file.
If you never transfer money between two sets of accounts. If you maintain the books for a volunteer organization, or for a friend or relative. If you keep your home finances separate from your business finances for tax reasons. There are some reasons, however, why you might want to have more than one file: With separate files, there is no connection between the accounts in one file and the accounts in another. 
Transfer money from one account to another within the file. Include data from all accounts in a single report or graph to track income and expenses, net worth, and other important information. Keep one list of income and expense categories for all your accounts. When you have all your accounts in one data file, Quicken can: If you use Quicken for personal finances only, you probably need just one Quicken data file. Your Quicken data file holds all your account information, just as a file folder holds your paper banking or brokerage statements.
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