22m, you supply construction materials and a small stack of cash (100k will do) for un-noting them at Piles or whatever his name is.
Can complete with 24-48 hours of starting.
I actually had my girlfriend reload my multi-cannon for me last week whilst I was smoking out of the window.
I've also tried to encourage her to start an account by telling her if she gets base 60 stats I'll propose to her.
Will keep you updated.