Its OK anyway Ive managed to suss it out but Ill give the tip for anyone else who needs it.
Unzip the zip file contents to your default location (I use a folder named download, personally), create a new temporary folder next to it and give it a name (money) then go to the location you unzipped the files to, open the new msmoney.zip folder and highlight and copy all files and folders contained in it over to your new folder(money), you should be able to use the set-up application from there without any problem.
Oh yeah! and run your virus scan at every point in the process especially before unzipping the thing.
i downloaded all 400MB of office XP. but i can't really update it. i'm working on fixing it. if anyone knows how to make an ISO image and then burn it to a CD, let me know (i think that's what i need to make it a real cd) but yeah, and it took like 8 hours, and i checked it with antivirus software, and it was great.
opps, i should learn to read the posts above me. so, um, just email me if you know how, and that way you won't have to discuss it here.