I programmed my first computer in 1969 and have used just about every kind of computer since.
I use a Chromebook 99% of the time.
Yes - it needs to be connected to the internet ... when are you not?
Has spreadsheet --- google sheets - very compatible with Excel
Has word processor --- google docs - very compatible with Word
No - you can't use programs like Turbotax or Quicken, but you can use Turbotax online and there apps that work like Quicken.
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