I want to install Mavericks, but when I try to it says that it will delete my 2004 versions of Word, Excel, and Powerpoint. I have years of work that I can't afford to lose access to, and I also can't afford the new MS Office. What should I do?

Do I just have to make do without Mavericks? I don't want to lose access to a decade plus of work, and I can't afford new versions of MS Word, Powerpoint, and Excel.

Have you checked the requirements to upgrade? You must be running at least OS X 10.6.8 on an Intel Mac to even be able to run Mavericks.
ss http://support.apple.com/kb/HT5842
MS Office 2004 was MS's last PowerPC version of Office and will not run under Mavericks.  Support for PowerPC code and the emulation layer, Rosetta were officially completely dropped with the release of OS X 10.7 (Lion).  You would not be able to use your Office 2004 in OS X 10.7, 10.8 or 10.9 or any future OS X - you would have to purchase an updated version of MS Office for Mac (Office 2008 and higher runs fine on OS X 10.9).
Make sure your Mac can even run Mavericks - from your post tagline, it looks like you are running OS X 10.4.11 so are you also still using a PowerPC (G4 or G5) Apple computer?.
<edit> also note in the specs in the link I posted say a minimum of 2GB, but IMO, 4GB is a better true minimum for decent performance with OS X 10.9

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