The correct option is B only if we earn enough money
An adverb clause is a group of words containing a subject and a verb,
and it functions as an adverb, by modifying an adjective, verb or an
adverb. Adverb clauses generally begin with a subordinate conjunction
(since, because, while, etc.).
Option B is correct because it is an
adverb clause of condition, 'only if' is a subordinate conjunction that refers to a condition that is necessary.
Option A is incorrect because it is a phrase, not a clause.
Option C is incorrect because it
is an adverb clause of time, not condition.
Option D is incorrect because the answer lies in B.