1 - Give us a Screen Shot from the Terminal command
diskutil apfs list
2 - We understand your concerns regarding " 3 snapshots "
3 - Though, what is the Top Priority at this time
4 - The Snapshot or " I'm trying to recover a file with some financial information " ??
As long as we maybe digressing
User byline showing " MacBook Pro 13″, macOS 14.1 Released October 25, 2023
The current version has long passed this and landing on Sonoma 14.8.3 , Released Dec 12, 2026
In conscience >> Always make a Time Machine Backup before doing any upDates
Better still
To truly protect your non replaceable Data
Have a 3-2-1 Rescue Plan in place and always current
3 Backups using 2 methods and 1 off site incase of natural disaster or un-natural disaster.
Each of the above should be done to a Dedicated Single Purposed External Drive
Below link is intended to augment what TM Backup does
https://bombich.com