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Hi Kevin,
There's some info in this Knowledgebase article which should help you get this sorted -

Last file opened does not open when Personal Plus launched - see Welcome Screen repeatedly

Is the file in the dedault directiory? Personal gets a bit cranky if you want to do your own thing

Kevin, can I ask how long is your file name?  Reckon has reverted to childhood and has trouble with file names of more than 8 or so characters. 

File name is 10 characters.     Kevin_2019   
I have tried renaming the data file to something shorter but that fails as well. I keep getting a "File not found" error. Apparently another known issue.

That's odd, Kevin.  Are your files saved in the of Folder within "Documents" (wherever that may be pointing)?

Have your tried Validating and Super Validating your file after reducing the file name to 6 or 7 characters?

It may be difficult to track down the exact cause.  Sometimes the only solution with Reckon Accounts Personal is to reinstall, as painful as that can be.

Reckon Accounts Personal (2016) installed on Windows 7 keeps data file locations in a file named QUSER.INI

If this file is missing or corrupt you may need to reinstall Reckon.  Make sure you backup your account files (to a USB stick or other safe location) before uninstalling.

QUSER.INI is located in folder:

C:\Users\YourUserName\AppData\Roaming\Intuit\Quicken\Config\QUSER.INI

File contents will be something like that shown below where:

X: is the hard disk drive letter on which data is located (may be the default C:)
Y: is the hard disk drive letter on which backup data is located (may be the default C:)

Data folder is: \Data\Quicken\Q2015Files\
Backup folder is: \Backup\Quicken\Quicken 2016\2016-10-16 John\

Your files may be in default folders on C drive.

C:\Users\YourUserName\AppData\Roaming\Intuit\Quicken\Config\QUSER.INI

[RecentFiles]
1=X:\Data\Quicken\Q2015Files\Company
2=X:\Data\Quicken\Q2015Files\Super
3=X:\Data\Quicken\Q2015Files\James
4=X:\Data\Quicken\Q2015Files\John
[Quicken]
BackupPath=Y:\Backup\Quicken\Quicken 2016\2016-10-16 John\
NewCatPrompt=1
[RecentBackupFiles]
1=Y:\Backup\Quicken\Quicken 2016\2016-10-16 John\John.rkn
2=Y:\Backup\Quicken\Quicken 2016\2016-10-16 Mary\Mary.rkn
3=Y:\Backup\Quicken\Quicken 2016\2016-10-16 Company\Company.rkn
4=Y:\Backup\Quicken\Quicken 2016\2016-10-16 Super\Super.rkn

There are three other files in folder \Config\

QW.CFG
QWREMIND.INI
WPR.DAT

Unfortunately, their roles are not clear.

I had the same issue with Home & Business 2019 and tried shortening the file name etc.  Just got really confusing which was the current file etc and ended up with copies of copies and so on.  

What I now do is click on file explorer at the bottom of my screen then double click on the QHB quicken file listed under "Recent files" and it seems to open up fine.  Open Home & Business using any other way (eg from the desktop shortcut, most used applications or Life at a glance) I get the same problem as you.