~ (tilde) means your home directory, i.e. /home/YOURUSERNAME/
Don't forget the . (dot) before the filename. (it hides the files from listings)
Different distros have things in different places to keep us wondering... :)There seems to be a bash_profile in /usr/share/doc/adduser/examples/adduser.local.conf.examples/skel/dot.bash_profile but it's empty. It points to ~/.bashrc.
You don't use zsh by default. It's another shell you'd have to install, so forget that bit.
