Well, not exactly. When Toby got his share of the dragon loot, he donated it all to his order of knighthood, known as the Holy Brotherhood. So Kira is correct when she says that Toby has no money. The chest full of coins that Toby carried into the house came from Kira's share of the loot. The only reason Toby was carrying it was because it was too heavy for Kira (and even if she could carry it, since when does Kira carry heavy things when she's got Toby around to carry them for her?).
That chest of coins was only a small part of Kira's haul, of course. She's not giving EVERYTHING to her mother. But she's giving her a pretty fair amount of money. Kira does care for her mom, no matter how much the two of them may bicker at one another.
Speaking of Kira and heavy chests. . . LOL. I can understand Kira and her mom bickering. It's not uncommon for adult children and parents to bicker, especially daughters and moms. Moms are worse than dads about, "He's not good enough for you, Sweetheart. You should find someone more like you."