*Savannah* has mentioned the baby boost. One thing I suggest you do first is get a doctor's consultation. It will include whether your peep needs to BB to help conceive. If it says nothing, when you can, try a consultation on the other peep.

The best suggestion I can make about getting money is simply to buy food for the first few days, to allow the bank balance to grow as much as possible. Interest at 10% a day is applied, and it doesn't take too long before it starts mounting up and you can afford some extras and even upgrades. Go slow on the upgrades, though and make sure there's still plenty left in the account after buying each one.