The Microsoft Money 2004 Premium Personal Finance Software is a retail version that comes in a CD format. It is designed for use with Windows operating systems and has a minimum hard drive space requirement of less than 50 MB. With a minimum 1 GHz processor speed and 64 MB of RAM, this personal finance software from Microsoft offers basic financial management capabilities for individuals. The product includes a 30-day manufacturer warranty, making it a reliable choice for those looking to organize their finances.