For me,with my Windows ME, it used to be as simple as Dan says. Then I got a new computer with XP home edition. Somewhere there is a conflict, as I cannot backup from Quicken using the CD-RW drive. It says it cannot write to the disc. If I back it up to the hard drive then put it on the CD-RW it works just fine. Also when I moved my Quicken to my new computer I could not restore my backup directly from the disc, I had to put the data on my hard drive and restore it from there. My laptop has XP pro, and it works just fine, but not on my desktop.
Erika