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Open Settings, Profiles, Ubuntu-20.04(This is your WSL terminal in Windows Terminal), General in turn.
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Then you can see the setting of Starting directory, change the value to
\\wsl.localhost\Ubuntu-20.04\home\ubuntu
.This value may be different, you need to change the content of the ubuntu-20.04 section according to your WSL version.
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Restart your Windows Terminal and you will be see that it has taken effect.