.htaccess and .htpasswd

Having some trouble getting this set up, I'd guess it has to do with my path to my password file.

AuthName "Restricted Area"
AuthType Basic
AuthUserFile /username/.htpasswd
AuthGroupFile /dev/null
require valid-user

I've placed the .htaccess file in the directory I want to protect, and that seems to be working. I just can't get username and password working.

Can anyone confirm or deny my AuthUserFile location? If my resold account username is SPOT, wouldn't the path name be /SPOT/.htpasswd if I dumped the password file in the root of my resold account??

Thanks in advance.