Okay serious recommendation here bro.

Calm down. Relax first. You got a huge paycheck and I know you are working for your children's future. Solve this first.

Small problem later become big problem. Your wife mention about empty wallet and then husband will top up the said wallet with money. You asked for your wife for the figure, of course she will come out with a drastic figure such as 5k RM.

Calm down le. You earn so big paycheck but can't chill? Your wife is emotional after the birth and her friends are comparing, hence your wife felt like she's not getting the positive side of being married. You also look at negativity more than positivity.

Now, calm down already? Don't negotiate with her on how much it can be. You talk properly with her and say that you see where she's getting into, you took some time to think through it, and you are working on this. If she loves you, she will totally understand that she is at fault too. This is when she will start to negotiate or come terms with you. Relax brah!