permissions needed to edit in Bridge & Photoshop

I'm on Windows 11 and all Adobe prodcuts are up to date and Windows.  When I open Bridge or Photoshop and try to do any editing and save or rename I get a "permissions needed" error message.  None of the edits or adjustments to the files save.  This only started 2 weeks ago.   The exact message is  "This file cannot be renamed 'fence'  because you do not have permissions or the file is in use."