See if http://umpmfaq.info/faqdb.php?q=177 helps.

"Gene Ehrich" <Gene Ehrich[at]discussions.microsoft.com> wrote in message
news:89A104C9-7D81-4E1C-9C46-AA1051E6CBFD[at]microsoft.com...
- quote -

My hard drive crashed on my main computer and had to get a new one.

I have been trying to recover my .mny file but having problems. I have a
recent file saved on an external hard drive and on a flash drive. The
original installation was Money 2003 and then upgraded to Money 2005. It went
through its own standard update about three weeks ago.

I am installing Money 2005 on the new hard drive and when I point to my most
recent .mny file I get the following error:

You are attempting to open a file of type "Microsoft Money 2004 backup .M12
This is a money 2004 file. Use the file command in money 2004 to open it.
If you still want to open the file click open with

I never had Money 2004 just 2003 & 2005 and probably something earlier in
the past on this machine so I cannot open it in Money 2004 which I do not
have.

When I click on open with it finds nothing

Help ???????????????

Please contact me at gene[at]ehrich.com