Win11 Install-No Option To Keep Win10 Files and Apps

[Windows 11]

I am attempting to update my Windows 10 computer to Windows 11. PC Health Check indicates that my computer meets all the requirements. I used the Media Creation Tool to create a bootable USB flash drive. When I boot into the installation media I get to the Select setup option. If I want too Install Windows 11, I have to check the box that "I agree everything will be deleted including files, apps, and settings" or else the Next button remains greyed out. I thought there was supposed to be an option to keep my existing Windows 10 files, apps and settings! Can anyone shed some light on this?Win11

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