Do not attempt to *change* your password. Do copy your *.mbf and *.mny files to other media now, in case something happens to your hard drive or computer.
What does " Password Manager is not an option" mean?
What version of Microsoft Money were, and are, you using?
Did you have a Password on your file?
Did your sign in credentials include an email address?
How many fairly recent backup files (*.mbf) do you have?
There are 5 questions above.