Workbook protection

I am used to using the older versions of excel without the stinking ribbon and now I am having all kinds of issues. I have not messed with it in a while so I may have just forgot, but how do I go about making the file read only? I have set a password under the permissions tab but all it does is protect the structure and not the content. I want all users to be able to view the file, but have to have the password to edit any of the sheets or data on the sheets. Am I missing something stupid here or did excel make changes for the worse? I can still protect the individual sheets, but that doesnt quite do what I want. My VBA knowledge is very limited, so if this is required, speak slowly and use small words......