Movie about a couple going through a brutally hard time and then hides Money

I don’t remember a whole lot about this Movie because I wasn’t able to see all of it.

Anyways this Movie was about a couple going through a brutally hard time, I’m sure they were married in the Film, They did have kids and the Dad was in the basement of the house and was telling there kids if anything happens to me I am hiding this money behind the wall and it was hidden behind sheet rock and insulation…Sadly the Mother quietly heard him saying that at the top of a staircase and later on in the Movie she retrieves that money for herself.

This Movie was watched like 15 years ago it’s not a new movie by any means and I think the husband who actually cared for there kids died in the Movie, I didn’t get to see all of it and what I watched was a very long time ago.