New file? Do not set up your new file with Windows Live ID. Instead set it up with no password or a conventional password.
Existing file with a Live ID on it?
Disconnect from the Internet. Pull your ethernet cable or turn off
your modem -- whatever it takes. Start Money, click below the
password field to select "I want to sign in to Money directly,
without access to all online services." then click Next.
If you get into your file, remove your LiveID. Do not attempt to change your LiveID. If you
already changed your LiveID, use the credentials that were in
effect at the time that you saved that Money file. To remove the
Live ID, go to File-PasswordManager, and choose to remove your
LiveID. To remove or add a conventional password, also see
File->PasswordManager.
The password is case-sensitive. If you are not sure of your
credentials, write down what you remember. Consider permutations.
Check your notes. You will not get into the file without those
credentials in effect when the file was saved.
