Hello @Jeff N.
Thank you for reaching out on the community and telling us about your issue. I do apologize for the issue you're having. Is it only the startup that takes a while or if you were to try updating later on would it have a similar issue? If you were to try loading into another file would we experience a similar issue? To start off with troubleshooting here I'll leave an article down below.
https://community.quicken.com/discussion/7851545/faq-troubleshooting-101-installation-and-data-file-problems-quicken-for-windows#latest
Once you get a chance see if this might help out with loading times. If not we'll see what we can do next.
Thanks,
Quicken Francisco