Since the dating of this discussion is all over the place on my Mac, I will start off by saying I am posting this on Jan. 1st. I previously posted that I had a license for Carbon Copy Cloner 5. I stopped using CCC 5 a while ago as I didn't really need its extensive functionality. However, after all the hassles I have had with TM and my M4 Mac Mini I decided to revisit the CCC website. Happily found out yesterday that I qualified for a discount on the latest version of Carbon Copy Cloner 7 because I had paid for CCC 5. So I bought CCC 7 for a very reasonable price of about $30. I installed it on my Mac mini and set it to back up every hour on the hour. That was 24 backups ago and CCC 7 has worked flawlessly. IMO, the money spent is well worth not having the hassles of TM. Clearly, Bombich software, who makes Carbon Copy Cloner is putting more effort into their product than Apple is with TM. As an experiment, I kept my 2nd backup hardrive connected to TM but set it to back up every "hour + 1 minute on the hour + 1 minute." So 5:01, 6:01, etc. Because CCC 7 initiated a backup at 5:00, 6:00, etc. the TM backups scheduled for 1 minute later ARE ALL PROCEEDING nicely. No more failed backups. At least for one day. If things stay as they presently are, I will continue to dedicate one of my backup harddrives to CCC 7 and one to TM. If TM starts to get naughty again, I am going to abandon TM completely and use CCC 7 on both my backup harddrives. I hope my experience is of help to some of you. I remember when I got my 2018 Mac Mini, the "Unlock my Mac via Apple Watch" feature performed very poorly despite many folks having the same problem. To this day it continues to perform poorly. So I don't hold out any hope that Apple will fix TM with our Macs and refuse to be jerked around anymore by the problem. I consider the $30 spend on CCC a great investment in performance and sanity.