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I've installed Money in RAM, but I'd assume CodeWallet would be fine on the storage card. In fact, most programs should work fine on the storage card. The ones that I'd recommend installing in the main memory (assuming you use them) are PocketBreeze, Pocket Plus, Microsoft Reader, etc. "Non-essentials" should be okay on the card.
Your iPAQ File Store is the non-volatile memory. The content in it still resides even after a hard reset. Most of the older devices don't have a huge amount available. In fact, the h4150 only has a ~2.8MB File Store - it's really not enough for practical use. I'd reserve it for backup files, etc. If you open up File Explorer and navigate to the root level, you should see an iPAQ File Store entry there.
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