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I am having this issue with 2019 deluxe for mac.  I have to RE-save the file as a new name EVERY time I want to save.  It tells me my file is locked and do not have permission . . . I did as instructed to "unlock" my file.  go to the file, click on "get info" and select unlock.  It does not work, I even tried locking and re-unlocking incase it was "stuck" but still having to RENAME my file a new name everytime I want to save!!!