I use my own individual Windows computers at home but also share a PC with my wife and my cat, Mr. Giggles (don't ask). To ease that process, I set up dedicated accounts for each person (and feline).
To create a Local Administrator account from the Settings app, do the following: Once you click Next, you will be redirected back to the Accounts screen, and there, you can see the new local account ...
Choose to set up Windows 10 or 11 with a local account, and you're required to select three security questions to answer if you ever get locked out. Those questions include the typical ones, such as ...