Insure you have your Ethernet plugged in as Windows install completes.
When it gets to the part where it wants you to create a MS account, unplug the cable, go back 1 step (arrow at upper left).
Then when you go forward again (next, right arrow), it'll allow you to create a local account (non-MS), then plug your Ethernet cable back in.
I did this with win 10 just 3 weeks ago and with Win 11 a week ago.