Are unused credits supposed to get reset to 0?

After reading the forums it's apparent that I suck this game because I'm not even getting into the second sector consistently, but maybe it's because my ship isn't upgraded enough. Which brings me to my question. Are your credits supposed to get reset to zero if you don't spend them? If so that's fine. I was just wondering.
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Best Answer
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ES_10374 Kickstarter Alpha Backer ES1, Space Pro Posts: 13
Yes, every time you launch from the hangar only a certain amount of credits (initially 0% but upgradeable with some terrifyingly expensive perks) of your remaining bank are retained.5
Answers
One upgrade at a time is how you start the game out. After that you can get 2 or even up to 5 upgrades per run.
The point of this is to motivate the players to make smart choices on which upgrades they want, and set goals for their next run if they need a certain amount of credits. Granted the chances that you'll hit a higher average risk sector that will mess your run up and kill you is there, but if you make it it's so much more rewarding.
As for the initial question, yes they get reset. Just buy all the upgrades you can (I always go for the most expensive ones unless i need something else), and then proceed to the next run. You'll be reaching sector 4 in no time.