Let me help you get your Gear icon working, drfmaesthetics.
When a browser's cache data becomes full or damaged, an icon like the Gear one doesn't load properly. To better isolate if this is a browser issue or not, let's access QuickBooks Online using a private or incognito window.
Here's how you can access private browser:
Google Chrome: Ctrl + Shift + N
Microsoft Edge: Ctrl + Shift + P
Firefox: Ctrl + Shift + P
Safari: Command + Shift + N
Then, log out and log back into QBO to see the Gear icon.
If it works, just perform the following steps below: