Did you not see the part that says: "If the file does not exist, create it with owner-readable-only file permissions"?

Simply create the text file in the ~/.funcoin directory using vi or vim or whatever texteditor you use... save/name it as funcoin.conf... make sure it is all configured as you want, then "chmod" it to have the appropriate permissions.

Note: to be able to modify the file, you'd need to set it as: