I cannot get rid of the sample data file. How to start from scratch?

Please click File->New to create a brand new file. Later on AceMoney will ask you where to save the file, pick any place under My Documents. Next time you launch AceMoney it may not open your file automatically. Open it manually with File->Open and set "Load last file on startup" in Tools->Options if you want AceMoney to always load your file when you start the program.