How to change the default directory that WSL Ubuntu terminal (on Windows 10) opens with

I installed the WSL Bash on Windows 10 so it can act as my terminal in VScode, but the default directory is ~/home/USERNAME

I would like it to be /mnt/c/Users/USERNAME (so on my windows domain side)

I've looked at so many different angles on how to change the default from adding a command to .bashrc that manually changes the directory on startup, to going to the registry editor and trying to change the default directory for CMD, (turns out even that's a challenge as the file I needed to alter doesn't even exist but that's a problem for another day)

Any ideas on how I can change the WSL ubuntu18.04 terminal so that the default directory on startup is different?