About their supposed monetary problem, they do not seem to spend that much money. We don't know much, but for all we know they could have been saving for years. The only thing we d know is that they have a house, which may or not be expensive.
About the episode, I thought the corporate terrorism plot was a little to conspiracy theory-esque. The overall arch didn't make that much sense either. My guess is that Reddington has been setting Tom up, but I don't really know anymore. It might as well have been the people behind the surveilence. And everything is supposed to go back to normal the next episode? The weakast episode yet, but they might recover.