How many credits y’all got?

I have about 5m and am trying to build up to 20. I do 3 mod refreshes daily and am trying to slice more simply because I don't have enough credits to farm. I only level grey to 6 or 9 if they have matching secondaries unless it rolls 5 speed. Only 5 speed greys get sliced to green and anything below 10 speed gets sold with few exceptions. I only remod once every few months to save credits and don't remod for raids.I never have enough credits to buy from the store

This isn't a flex but I could easily spend 3 times the current credit income. I have no idea how you guys save so much.

All that being said, I'll take a 5.0 mod score over 1b credits any day.