Remember you will be able to get all the ships in the verse, so don't spend money you don't have!
This is good advice. For some of the younger members, or those without financial or career stability, or those who are one disaster away from not being able to make a mortgage payment, I would say this is
really really good advice.
Basically if you have to use more than your beer and pizza money to buy ships, you're just asking for trouble when things you don't expect to happen, do happen. They always do happen, and they tend to happen right when you don't expect.
Supporting this game beyond the minimum package to play the game is totally unnecessary. Do so if you both want to and can, and at an amount or rate that doesn't hurt your financial picture if something awful happens to you or your family.