Many players would consider this mod to be a shameless cheat, as it adds 5 million credits to your wallet at the beginning of the game. But new players may find it incredibly helpful when it comes to understanding the main elements of the game better, and then start new game from scratch with no help.
It can also allow struggling players to continue their game instead of starting all over again. I Need Money mod can add another 5 million credits at any point in the game, if you fall below one million credits.
So treat this one as a lifebelt that can save you from a disaster of a failed first attempt in X4 Foundations.