/etc/skel is a directory where you place all files that you want to be added to a user’s home directory .
For example :
Create readme.txt file under /etc/skel directory.
Now create new user
now navigate to home directory of the test user.
# ls -ltr
-rw-r--r-- 1 test test 0 Jan 6 16:03 readme.txt
(Note:Whatever files that are created under /etc/skel are only get copied to new users home path. it will not be copied to existing users home path)