After logging into Money, you may see an update occur of your program and/or file. This will be shown by the converting your file message or request to download updates.
The only version of Money where an update would require a conversion of a data file is Money 2005.
If you see this without using Money 2005 and there is no indication that a service pack has been applied (they are very few and far between), it most likely means that you've opened an older file or restored a file/backup created with an older version of Money.
If you start Money using a shortcut, see if that shortcut is actually pointing to a specific file or it is only launching msmoney.exe
Keywords: Service Pack, Update, Conversion