Wealth planets for me will depend on its location and bonuses. An isolated planet (not within 6-10 spaces of another planet) not near a border with wealth bonuses will usually become a Wealth planet,. Otherwise, it will become research. If there are none in my ZoC, then I will not have a wealth planet until later.
Outside of the aforementioned scenario, I do not bother with wealth until mid to late game. I am always operating on a loss for the first 150 turns or so, usually. I maintain my funding through trading off treaties and governance and colonization tech, especially if I can get hold of a minor race. Abusing minor races is the way to go. My wheel is almost always between Research and Manufacturing. Only rarely do I go bankrupt for a turn if I did not pay attention to how much money I have.
Wealth only comes in for me when I am done with research. I usually tear down all of my research improvements and replace them with wealth or culture improvements, depending on planet, location, bonuses, and available space.
I also do not bother with ships until I feel war is imminent with a nearby race. Ship maintenance is the number 1 money sinkhole in this game. I do not mass produce ships until I have unlocked precursor techs. Before that, it is only as necessary to defend my ZoC.