As for modding you will need notepad (which comes with all windows computers)
after that you want the correct file which captain redstone supplied.
"Documents\My Games\Cosmoteer\Mods\CosmoteerBen 1_6\Bounty\Ben_Bounty_Difficulty.txt"
Another way would be
(in Cosmoteer (the game) select mods,
at top right the three bars select show folder, usermods.
it should bring up a new window one folder will be "CosmoteerBen 1_6" open it
then open the Bounty folder
you should at this point be able to see "Ben_Bounty_Difficulty.txt" double click it.
At the top left should be File, edit,... select edit
then select find
in the search bar type in "StartingMoney =" no quotes then click find
I totally understand if modding scares you I have been through more than a few frights myself.