I also have to put my 2 cents in miser just joking, but what good is it to save money. Ask yourself what u r going to spend it on. This is  obviously not really going to help u in real life. U have 3000 Bc to start off with don't waste it. Kick that production up to %100. Don't worry about losing money untill your below -400 that will give U a little le way. Make sure to use your colony ship. U R garanteed to lose your money in the beginning. This is not a bad thing. I disagree about not building structures on planets early on that will cause U to have less research production economy and colonies in the endgame don't buy Ai's planets that should not be there and is cheesy if U build now U will crash earlier and have to lower production early on but U will be stronger later on U need this to beat the Thalans raise your approval to %100 by lowering taxes this is different depending on your starting abilities and increase your production to %100 send your colony to your second planet build a factory and a starport as soon as possible build a colony ship right off the bat if U want to send a empty colony ship U can if the pq is less than 10 build one factory per planet 2 for a 10-13 3 for a 13 or more U can add 1 for every 4 more or as an option build 4 per planet next build a morale improve,ent U can wait till your about to lose money to build this  either way it needs to be built if U have the Torians build the entertainment network untill U research healing pools a good early tech U don't have to worry about farming untill your population is full on one of your planets this will give u a little of time u don't have to worry about terraforming untill u don't have empty tiles next look at your income and expense if your income is more than your expense on the planet build laboratories if U don't have laboratories build factories if your expenses R more than your income build markets if U have them when your Bc reaches -400 raise your taxes to make your approval to %70 and lower your production till your making 1 bc per week U should have a bigger economy and more planets that U didn't buy in the end just as important is your research planetary improvements and sensors R probably significant techs to start off with the next most important r military production economics morale factories research trade this will do more than fast ships to start off with for both research and economics treaties give the small races yours otherwise on treaties better the race u get the treaty from the more u get Thalans R probably the best They also have 2 morale techs U want Don't trade for all the techs some of them do the same thing make sure u either save money get a better tech or does something u don't