You shouldn't even need to ask this here. You're completely right, and your husband has issues if I 5 year old can say that much and still not believe her. Honestly, you should ask yourself if you really want to stress over a man like that. Do whatever you can financially to make sure you and your daughter can be on your own, and please take your daughter for some psychological help. When I was four, my mother somehow convinced me to say my cousin molested me during her custody battle. I didn't remember her doing that, but I do remember randomly telling her that I was touched inappropriately on two occasions. I felt guilty, even at the age of four, because I knew I lied. It really fucked me up... I could never sleep or anything until I finally came clean and my dad told me about my mom convincing me (about four years later). He then told me everything about her lying. So unless your kid had as much prompting as I had, she isn't making it up. It killed me to know I lied about that, and I still hate myself for it and have a lot of issues. She wouldn't do it out of the blue. Please get her the help she needs.