And during tax season... I back up a.m. & p.m.   I take the external back-up home with me; depending on my level of paranoia I may even sleep with it under my pillow.

You *can* set Lacerte to save your keypunching every few minutes (somewhere in settings...) so you don't lose your immediate work.  The shorter the "save" time, the slower the program seems to run (in my experience, YMMV).

BUT that doesn't NOT save the client file anywhere, in case of a hard drive failure.

Carbonite is touted as a good one to use to back up to the *cloud*.