IMO, the key tip in this article is to think in terms of "abundance" or how much $ you can make w/your money.
Most of us who don't have $ think in terms of frugality in order to protect what little we have but, in order to GROW your $, you need to think the opposite.
This doesn't mean that you need to invest in speculative investments & ventures (which is what "get rich quick" who quickly lose all of their $ do) but to think "long term" (which is another tip) in investments & ventures that (with good planning & research) should make you MORE $ in the long term.
BTW, most millionaies/billionaires will tell you that LUCK had a lot to do with their success but, as is often said, that "luck" often comes when "preparation meets opportunity."
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So wait, there are three adults living in that house, the house is paid off, and between the three of you, you can't pay the gas bill? Something is seriously wrong here.
Wait, she doesn't have a job, she has three dogs and an untold number of cats, and she cooks steak for the dogs every day and feeds the cats tuna? And she doesn't have enough to pay her portion of rent? You all are having priority problems.