Money cannot locate ‘filename’ or cannot open it, possibly because it is a read-only file or you do not have permission to change it or your disk drive is write protected. If you have chosen the correct file and it cannot be accessed, you will need to click OK and open your most recent backup file. If the file is being used by another application, close it in the other application and click OK to try again.

Money cannot locate ‘filename‘ or cannot open it, possibly
because it is a read-only file or you do not have permission to
change it or your disk drive is write protected.

If you have chosen the correct file and it cannot be accessed,
you will need to click OK and open your most recent backup file.

If the file is being used by another application, close it in the
other application and click OK to try again.

If you are having difficulty opening a Money file, you need to make sure
that the latest Money updates were successfully downloaded to your computer.

To download the latest updates and verify that the update was successful:

1. On the File menu, click New, type the name of a new
   file (for example, test), and then click OK.
2. When asked to download the Money updates, click Yes.
3. Restart Money.
4. To confirm that updates were downloaded successfully, on the
   File menu, click Help, and then click
   About Microsoft Money.
5. If the latest updates were downloaded successfully, the version
   number at the top of the page will be
   Version 14.0.xxx.1105 or later.
   Note: If the version number is earlier than
   14.0.xxx.1105, the latest updates were not successfully
   installed. You need to close, and then restart Money. The file
   you created in step 1 will re-open, and the download process will
   begin again.
6. Once you have verified that the latest updates are installed, on the
   File menu, click the name of the Money file that you want to
   use.

Note: For additional information, please refer to the following
Microsoft Money Knowledge Base article for more information:
You cannot open your data file after you reinstall Money 2005
http://support.microsoft.com/default.aspx?scid=kb;en-us;890393

If you are still having difficulty opening a Money file, confirm that you
are opening your most recent file.

To find Money files on your computer:

1. In Windows, click Start, click Search, and then click
   All files and folders.
2. Under All or part of the file name, type *.mny
3. Under Look in, click My Computer.
4. Click Search.
5. To open your most recent Money file, in the search results list,
   double-click the file that was modified most recently.

Note: If you continue to receive the error message stating that
Money can’t open or locate your file, please refer to the following
Microsoft Money Knowledge Base article for more information:
“Money cannot locate <filename>” error message when you try
to open a file from an earlier version of Money
http://support.microsoft.com/default.aspx?scid=kb;en-us;320193