Take a look at this KB article:

Money: Error Message: You Are Trying to Open a File That Has Encrypted
Information
http://support.microsoft.com/default.aspx?kbid=283212

--
Glyn Simpson, Microsoft MVP - Money

Check http://support.microsoft.com/default...d=fh;EN-GB;mny
for UK tips and fixes for MS Money. To send Microsoft your wishes or
suggestions, use http://register.microsoft.com/mswish/suggestion.asp
or email mnyukwsh[at]microsoft.com especially if it's a UK specific wish.

I do not respond to any unsolicited email regarding Money

"Jean-Pierre B" <anonymous[at]discussions.microsoft.com> wrote in message
news:161c01c43d29$f13c2260$3a01280a[at]phx.gbl...
- quote -

My hard disk died recently. I had saved my xyz.mny file
elsewhere and still have my data. I have a new computer
and have re-installed Money 2000, but I cannot open my
file: "You are trying to open a file that has encrypted
information. The file cannot be open with this version of
Money".
Can I resolve this or do I need to get Money 2004?
JP