I don\'t have this file in c:/user/me/.cargo/
As described in the Cargo documentation, there's no one place for .cargo:
Cargo allows local configuration for a particular project as well as global configuration, like git. Cargo extends this to a hierarchical strategy. If, for example, Cargo were invoked in
/projects/foo/bar/baz, then the following configuration files would be probed for and unified in this order:
/projects/foo/bar/baz/.cargo/config/projects/foo/bar/.cargo/config/projects/foo/.cargo/config/projects/.cargo/config/.cargo/config$HOME/.cargo/config
The complete algorithm also searches in your home directory.
You are supposed to create the directory in whichever place is most appropriate for your needs.