I should have added to the first post, the name of the WorkBook is always called PERSONAL
When I do a search the folder is empty.
When I do a "Save As" for PERSONAL it directs it to be saved in:
C:\Program Files\Microsoft Office\Office\XLStart
If this is a clue, it may have something to do when I used to save the files with backup option.
No longer use this option, and since then it has been opening the 2nd WorkBook.
The other clue is, it may have something to do with TEMPLATES, was messing with this to, have looked in settings but not sure what to look for.