This is a strange request!
As for the first part of your question, the way you have structured the commands looks very odd! Is this exactly how you typed them into your terminal, one per line? If so then you would have seen errors galore! You need to have them all on the same line & use the correct argument (option) instead of the name of the argument. For example, the following line is the correct way of issuing that command :
useradd goofy -p goofypass -e 2006-12-01 -d /home/goofyhome
When you read a man page, the arguments are the letters with the "-" before it & the underlined word that follows means that this particular argument requires a value. For example, in the man page for useradd, the line :
The date on which the user account will be disabled. The date
is specified in the format YYYY-MM-DD.
means that if you would like to specify a date when the user account will be disabled then you add the argument "-e" to the command line followed by the date you would like it to become disabled in the format specified (YYYY-MM-DD) Almost all man pages follow this format.
If you did not already know what I have just explained then you are obviously extremely new to Linux, if this is the case then you really should read through a "Getting Started" tutorial that is aimed at the distribution that you are using. There are thousands of them out there & they are very easy to find, simply google for "linux basics tutorial" & also add the name of your distribution to narrow down the search.
The next part of your question has got me stumped! Why do you want to have a users password file in his home directory? As PTrenholme mentioned this is very insecure, not to mention unnecessary! Simply getting that data into a new file is actually quite simple to do, but to force Linux to use this file to check goofy's password at login is a little more complex. Why do you want to do this? You really shouldn't!