I was quite successful in GalCiv pre-patch 1.4 and could manage money problems after some time of establishing finacne colonies and then turn the wheel to wealth. But after patch 1.4, I always have huge money problems. Even without having a large fleet, I have to put the general resource wheel to at least 50% wealth to generate a positive income, thus drastically reducing research and production.
So my question is, what percentage of colonies do you specialize on wealth, when do you start to build a fleet and how do you manage the resource wheel to maintain a good amount of production and research while still not get in financial trouble?