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This guide gives some good examples:
https://gtm.steamproxy.vip/sharedfiles/filedetails/?id=3144777870
...
$400-500K in the bank."
I don't understand how you're pulling this off so early. I feel like my early game goes really efficiently, with a ton of charter missions and alliances all going at once and in a tight ring of worlds with very little travel, but I don't have 400k in the bank until around 211.45, which is far too late to start upgrading and then get the unlock for 10 ship combats.
You’re not running enough Story Missions to drop your Rep below -40 with your main rival. Alliance Missions don’t cause negative rep. You’re not carrying valuable loot, so you can always avoid pirates by giving up your cargo. And Xeno Ships don’t typically appear until ~5 years in.