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And as for the town, you are not ready with only nine strong to build/defend a town, you can start a business easily with your longhouse, you just have to put in the work.
Also if you go with crafting make sure to assign a Scorchlander to any smithing jobs as they gain exp faster doing those types of jobs.
Steal from the shops at Squin and sell at The Hub and Hive Village west of The Hub. You can also send a human to steal from Stack and sell at The Hub/Hive Village as well.
The Hive Villages generally have quite a bit of Beak Things running around them so the drones leave a lot of beak things bodies lying around for anyone to loot. You can also come across a nest with Beak Thing Eggs which sells for 4.2k each.
As far as when you're ready to build your own town, really depends on your group's stats/equips and where you're planning to settle since the raids/patrols you get depends on the area you build in. Hiring mercs to defend your outpost helps a lot if you don't have a solid group yet, I highly suggest it.
I personally suggest you keep your longhouse in The Hub, figure out a way to make Cats that you enjoy and continue training your group through the Shinobi Thieves tower or make training dummies in your own base. Once your group has attributes and skills to at least 20, you could try to make your own base and hire some mercs to help you.
Edit: It was around day 50 for me when I was ready to leave my research house at The Hub and scout for a base location. Ended up settling between the HN towns along the river.
By that time, I had researched up to tier 3 walls and a lot of the lower tier research completed. My group wasn't very strong, I only had 6 chars with around lvl 20 in attributes and skills and one elder bone dog for combat. I hired two different groups of mercs to help me fight off the raids.
https://steamcommunity.com/sharedfiles/filedetails/?id=1676834044
Once I had my own colony set up, I produced grog for Cats so I didn't have to steal as much as in the beginning.
you make cats and some
I believe it takes some low level research to get the specific storage you need, and then you can make them automatically dump the copper in the copper storage in a nearby town. So you could have two characters at The Hub mining on their own, while your other guys go out exploring the surrounding area a bit and increasing their combat skills. And occasionally you sell off a big batch of copper and watch the money roll in.
"Running a business" in town is technically possible, but it's a fairly basic feature. You can put a Shop Counter in any building, and if the building is set to Public, NPCs will come check it out, but most of them have very little spending money, so pretty much the only items that get sold are food and med kits. There are a few mods that improve this to some extent, if you want to play around with it at some point.
Starting your own base:
Most people will advise to wait as long as possible with that, until your group is strong enough to defend it. That's solid advice. However, noob me started a base "too early," and I found the whole struggling of building the base and trying to defend it against much stronger enemies quite enjoyable. Your mileage may vary.
Either way, I'd say, no need to rush it. Wait until you come across a location that you really like and just can't resist, and have a handle on the early part of the game, at least.
Like mining copper, luring enemies to a town will stay useful for a long time. :)
But consider the loot more like a bonus.
Your characters get better by doing things, so use the guards as security while you sneak in some combat training, until you're strong enough and no longer need them.
(You can do this grindingly, but you don't have to - you'll get attacked enough naturally when just mining copper or exploring.)
Money is only really a concern in the early stage of the game. Once you're a bit more settled in, you'll find plenty of ways to earn money, and before you know it you'll have too much of it.
since your starting a store i would probally
make a 2nd squad and label it crafters,
buy all the houses in the stores city make only 1 public the rest set to private,
put as many work stations for crafting as you have workers and start a sweat shop...
after they reach 25-40 crafting in armour smith/weapon smith you will start reaping a ton of gold(as well as a way to make armor/weapons for your combat party).
You'll need to use one of the economy mods in order to get any practical use out of the "Storefront" object. As its stands right now, AFAIK, NPCs will buy food, drugs (that includes the various alcohols) and bandages. Without mods, that's all they can buy. I used Enhanced Shopping. It's "OK." There are others that may be better, I just didn't want much and that one only increases the money the NPCs get and allows them to buy items other than food/drugs/bandages.
However, AFAIK, NPCs can not accumulate wealth and can't dump items out of their inventory. So, they'll buy stuff, with rich NPCs being able to buy more, but eventually the inventory of static spawn NPCs will get full of your stuff. :) (Nomads, singleton wanderers, roving bands, probably perform better in that regard.)
You should have 10+ Characters with combat-related stats around 30 or so. In the 20's might be OK if they're well equipped and you have 12 or so.
You also need to have the second tier of Walls researched and at least basic Turrets. You'll also want to have crops researched and, if possible, the next tier of Outpost (building types) researched.
The basic plan is: Find a spot that has what you need. Fertility,water for food and Stone for building materials and a good supply of iron with a bit of copper. You'll want to stockpile some building materials and iron plates so you can rapidly build your walls, gate, first building, and starting machinery and turrets. Getting your defenses up as soon as possible is a plus, but you can always "run away" if an approaching enemy or raid is too much for you to handle. (They won't destroy your buildings, but some enemies might camp out at your base, requiring you to get rid of them.)
Mercenaries can be hired to defend your base and/ore to help you retake it/clear it out if necessary. You can find them most often at Waystations, but they may also appear in Bars. They're cheap and fairly effective.
Just a tip - Don't avoid fights unless you are sure you'll be obliterated, killed, dismembered... You need the combat experience to raise your stats. Attack/Defense, Weapon skill and the all-important "Toughness" can't really be raised effectively outside of actual combat. (At least in vanilla. Some mods introduce better/more training devices for combat stats.)
Stealing is an option. But, if you don't want to do that then your most constant source of cash is going to be either looting the dead/unconscious enemies you or the guards take down or possibly making Leather armors IF you have a good chance of being able to go hunting and take down animals for their animal skins. Even so, until your armorer gets leveled up, which isn't really too hard to do, you won't be making a lot. (Animal Skins -> Leather = Decent Armorer Skillups for cheap)
Copper Ore has a great return for the amount of time it takes an experienced Laborer to mine it. It's profitable, provided you can accumulate enough of it quickly enough. It may be the most profitable item in terms of time/resources there is. A high Science character might be able to make a bunch of Electronics that "might" outpace it, but that's "iffy." Copper ore is awesome and easy to get, what's not to love? :)
The limiting factor in trying to make money by crafting in a town is the supply of raw materials. IMO, there are only two decent choices if you're in a town and aren't using any mods - Electronics (Copper ore and Science skill) and Leather armors (Just need a supply of Animal skins to make Leather from.).
Once you can harvest the crops necessary, making grog or hashish (not legal everywhere) is probably a good source of cash. Crafting items to sell, once you have your own base, is good too. Even so, Copper ore is just sitting there and it's "Free Money" if you dig it up.
The biggest limiting factor is the supply of cash a merchant has to buy yours stuff with. Being within easy reach of a town, once you get a base started, is a really good idea if you want to continue to make a lot of cash. Nomads/caravans and wanderers will stop buy your base to buy things if you have a Storefront, but it's not as constant a stream of income as taking a bunch of loaded-down pack animals to town and selling things to the vendors there. (Buy some pack animals. They're awesome for transporting large amounts of stuff or items that take up a lot of pack room.)
Mining copper is an infinite amount of cash which outputs around 85k per Garru Run.
Squin by far is the best spot.
I have 10mill in 1-4 days of playing.
Stealing is instant cash and brings more negatives. While Copper brings nothing but positive things.
If you wanna open a shop, there's 2 things you can do get profit:
Craft the items you sell, you can buy items and use them to craft another item which will be worth alot more (Depending on what it is)
Sell NPC gear you've stolen: Just jack dead/unconcious NPC gear and put it in your shop counter, if you got the shopping mods they will buy it that stuff for full price instead of the halved ones.
Thieving - exploring ruins - looting dead guys - doing bountys are all decently profitable too