I would like a.little assistance in creating folders for different expenses/ categories.

Hi there, @ruffcutt_76. 

If you're referring to the expense categories in the Chart of Accounts, here are the steps to create one in QuickBooks Online (QBO):

1. Sign in to your QuickBooks Online account.
2. Go to the Accounting menu.
3. Click the New button at the top right.
4. Select the Category Type (Expenses or Other Expenses).
5. Choose the Detail Type.
6. Enter the Name.
7. Description is optional.
8. Click Save and Close.

To know more, please visit this article: Add an account to your chart of accounts in QuickBooks Online. 

Also, if you want to break down your expenses and income into greater detail, you have the option to create subaccounts in QBO. For the detailed instructions, see this link: Create subaccounts in your chart of accounts in QuickBooks Online. 

Fill me in if you need further assistance in QuickBooks Online. I'm always around here to help. Have a good one.