This directory is also referred to as your home directory, and can contain files and subdirectories.
Subdirectories can also contain files and more subdirectories.
You have to create subdirectories, so there might not be any in your login directory at first, but once you realize that your files need some organization, then you will want to create subdirectories to develop that organization. The following is a diagram of a login directory and three subdirectories. For example, a secretary enters files for each professor in the department. Thus, the secretary would want to make a subdirectory for each professor. Let us say, the professors are Clark, Kent, and Lois.