It is in the Freelance/EXE folder.

I don't know what you want to do but if it is change the loadout for the ship or the ship itself, start location, and money that is all in the mpnewcharacter.fl

“SISU”
(Pronounced: siss-sue)
(Meaning)
Guts, Tenacity, Steadfastness, Courage, and an Indomitable will to Succeed, and Survive.

Or if you mean the player saved games?

Those are in C:\Documents and Settings\{your PC login account name}\My Documents\My Games\Freelancer\Accts\MultiPlayer

You can edit them with Ioncross FL Server operator, or with a Save Game Editor such as this one

Roleplay: - the art of self-deceipt!

Thank you! I do want to edit the saved games. Sorry if I was not clearer.

How to edit the MP defaults is also handy.

If I want to increase the starting cash, is that done by increasing the initial ranking of the player?

No, it's in the mpnewcharacter.fl file in Freelancer\EXE folder.

You can also change the starting ship and starting rep there, here 's an example that starts the player on Planet New Berlin, as a Rheinland Military character with a Rheinland Banshee fighter:-

<pre><font size=1 face=Courier>
{Player} <-- remember to change these curly brackets to square ones!!
name = %%NAME%%
rank = 0

money = 50000
voice = trent_voice

costume = %%BASE_COSTUME%%
com_costume = %%COMM_COSTUME%%

system = Rh01
base = Rh01_01_base

house = 0.3, li_n_grp
house = 0.3, li_lsf_grp
house = 0.3, li_p_grp
house = 0, br_n_grp
house = 0, br_p_grp
house = 0, ku_n_grp
house = 0, ku_p_grp
house = 0.91, rh_n_grp
house = 0.3, rh_p_grp
house = 0, co_alg_grp
house = 0, co_be_grp
house = 0, br_m_grp
house = 0, co_nws_grp
house = 0, co_hsp_grp
house = 0, co_ic_grp
house = 0, co_khc_grp
house = 0, co_kt_grp
house = 0.3, rh_m_grp
house = 0, co_me_grp
house = 0, co_ni_grp
house = 0, co_os_grp
house = 0, co_rs_grp
house = 0, co_shi_grp
house = 0, co_ss_grp
house = 0, co_ti_grp
house = 0, co_vr_grp
house = -0.3, fc_bd_grp
house = -0.3, fc_b_grp
house = -0.3, fc_c_grp
house = -0.3, fc_fa_grp
house = -0.3, fc_g_grp
house = -0.3, fc_gc_grp
house = -0.3, fc_h_grp
house = -0.3, fc_j_grp
house = -0.3, fc_lh_grp
house = -0.3, fc_lr_grp
house = -0.3, fc_lwb_grp
house = -0.3, fc_m_grp
house = -0.3, fc_ou_grp
house = -0.3, fc_rh_grp
house = 0, fc_or_grp
house = -0.3, fc_u_grp
house = -0.3, fc_x_grp
house = 0, gd_gm_grp
house = 0, fc_uk_grp
house = -0.3, fc_n_grp
house = -0.3, fc_ln_grp
house = -0.3, fc_kn_grp
house = -0.3, fc_rn_grp
house = 0, fc_ouk_grp
house = 0, fc_q_grp
house = 0, fc_f_grp
house = 0, gd_im_grp
house = 0, gd_z_grp
house = -0.3, gd_bh_grp

initial_rep = rh_n_grp

;-- %%PACKAGE%% <-- make sure this is commented out with the ;

ship_archetype = rh_fighter
equip = ge_rf_engine_01
equip = rh_fighter_power01
equip = ge_s_scanner_02
equip = ge_s_tractor_01
equip = shield02_mark02_lf, HpShield01, 1
equip = ge_s_thruster_01, HpThruster01, 1
equip = rh_gun01_mark01, HpWeapon01, 1
equip = rh_gun01_mark01_m3, HpWeapon02, 1
equip = rh_gun01_mark01_m3, HpWeapon03, 1
equip = mine01_mark01, HpMine01, 1
equip = ge_s_cm_01, HpCM01, 1
equip = LargeWhiteSpecial, HpHeadlight, 1
equip = SlowSmallYellow, HpRunningLight01, 1
equip = SlowSmallYellow, HpRunningLight02, 1
equip = SlowSmallYellow, HpRunningLight03, 1
equip = SlowSmallYellow, HpRunningLight04, 1
equip = SlowSmallYellow, HpRunningLight05, 1
equip = SlowSmallYellow, HpRunningLight06, 1
equip = contrail01, HpContrail01, 1
equip = contrail01, HpContrail02, 1
equip = DockingLightRedSmall, HpDockLight01, 1
equip = DockingLightRedSmall, HpDockLight02, 1
cargo = mine01_mark01_ammo, 5
cargo = ge_s_cm_01_ammo, 10
cargo = ge_s_battery_01, 10
cargo = ge_s_repair_01, 10
</font></pre>

Roleplay: - the art of self-deceipt!

Thanks! That will be helpful.