First of all, just cuz she said it, doesnt make it so. Do you think you are horrible with money? If so and it bothers you, fix that.
Sorry, I dont remember. Who determined what you give your wife?
There's a lot to be said for pullin up big boy pants. Just sayin.
As far as your d. If you are ok, she will be, too. You are her touchstone right now. Though she is young, she will feed off of what she feels from you.
If you let her feel safe and loved and tell her what her sweet 3 year old brain is capable of understanding, she will be ok.
What she needs to hear and is capable of getting is that she is loved, safe and will always have a place to live. She doesnt ever have to worry about that. Anything more than that is beyond her.
You set the tone, PS. Let her see what strong, stable, loving looks like. The rest will take care of itself.
You are doing wonderfully. Make memories, P. That's what life is about.