Abstract: Human space-faring societies have been the subject of science fiction and the imagination of countless people desiring a different way of life. Various concepts of what life would be like in space, whether on a spacecraft, space station, or other planets or moons, vary with the imagination of those seeking various idealistic or altruistic reasons. Lifestyles, environmental, and survival technologies have been the subject of engineers, scientists, and human behavior specialists for decades. Payload and volume constraints have limited the practical capability of humans in a space-faring society. Advances in private/public space launch by SpaceX and Blue Origin have advanced space flight with affordability as the key driver. SpaceX is pushing heavy-lift reusable rockets to impressive rocket payloads in mass and available volume. Although cost has been reduced over previous rocketbased solutions, the total cost of creating a space settlement is in the trillions of dollars. How will Earth-based human space settlers pay for the opportunity to settle in space? This paper will explore an integrated space economy concept that will provide how thousands of humans can compensate for Earth-based investment in developing a human space settlement society. Trillions of dollars will be required, but trillions are available to return to Earth-based investors or repay government entities.