> I'm a n00b so how do I find that, I'm using version 0.162 and I typed mame.ini into > the search in windows and all that came up was a notepad document.
I made for you a defaulted mame.ini
extract the zip and put the mame.ini in same location as mame.exe or mame64.exe
You can open it with notepad and decide what options you want changed.