Area below the navel becoming exposed while performing Tawaaf in ihraam

Q: When wearing the ihraam cloth and performing tawaaf around the Ka’bah Shareef, I am afraid that part of my awrah (a small area below the navel) will be visible at times, despite me wearing my ihraam belt in which I keep my money etc. 

If part of my awrah is exposed, will the taawaf still be valid? Will I have to pay any compensation for it? 

Sacrificing worldly gain for one's family

Q: I had multiple opportunities to go to other countries but due to my wife's fertility issues I had to sacrifice my career and stay in India itself. 

For the first child, I had to sacrifice many onsite travels as I had to be in India as ease of treatment is good here. When she got pregnant, I got US 2 Years and then Canada 2 years, Germany but I had to decline as we planned for a 2nd baby and then again she needed treatment. We struggled a lot to find good doctors during treatment so I always believed going out would again delay the process and it will take time. 

Kindly help me how could I convince myself, sometimes I get thoughts like why it is happening to me. 

Also I have my mother who is staying with me, even though I have an elder brother but she prefers so stay with me. Kindly guide how do I proceed in this case too.

Inheritance

Q: If I have to pass away (wife), what shares will they inherit & what will go to my 4 daughters, husband, my mother & my father? 

If my husband has to pass away, what shares will I (wife), my 4 daughters & his mother & his father?