[VB.Net]RPG Game Accounts

Hello, I am making a VB.Net RPG and I would like to set it up so there are Log-Ins, I want the program to read(write/edit) text from a Text file and interpret the text as Usable data by my program. What I need to know is how would I (First)create a Directory in my program from which I can place/retrieve said Text Files and (Second) Read the text so the program can interpret it / Write to the file to save character information / and Edit Text to modify stats and such and then Save the Text File.

I was hoping this was possible my using Resources.TextFile but apparently, those are meant to NOT be edited, which is good, because I dont want these said text files to be (easily at least) editable by outside sources, only by my programs Runtime Code

Thanks in Advance for any information!