When you first open QuickBooks Online, it hands you a default chart of accounts — a pre-built list of categories for your income and expenses — and it’s tempting to just accept it and move on. It’s already there. It looks official. Why mess with it? Because a generic template built for every possible business is rarely the right fit for your specific one, and a chart of accounts that doesn’t match how your business actually works quietly makes every report you pull less usefu
