Now, let us get this straight once and for all:
k = 1.000
m = 1.000.000
And I know. When I started out a couple of months back, I had much the same feeling. Looking at the millions others had when sifting through gameplay videos and whatnot to learn the ropes and the basic do and don't of the game. Seemed like an impossible task at the time.
It is however a matter of the first million being the hardest. Up to that point, all you are doing is spending credits just about as fast as you earn them. Upgrading your little yacht, getting a new one every so often.
Once in a Cobra though, things start to accelerate a bit. Before you know it, you've sunk 3-4 million into upgrading it, and have about the same saved up. So you start thinking, 'Hmmm, that Type 6 do look like a dog - it can't even fight its way out of a paper bag. A 104 tons of cargo space though... Hmmmm'.
From there on in you need to fight off the credits invading your account.
...just don't blow it all when getting an Asp and then spend so much on toys for it that it leaves your credits account pretty much vacant. Something known as the Asp syndrome may then suddenly strike, and when you post about it on this forum, the rest of us will have a quiet little chuckle. 'Oh look, another one!'