Mshell is telling Dan about her hardships that she has survived, about always going to the dollar store to buy things and the extra money goes to her parents. She only works on commission, doesn't get a regular pay check. Mshell is spilling her sob story. Mshell says that she doesn't have the money to be in teh BB house and she doesn't even know why she is there.
Mshell doesn't like it when people say that they aren't even going to touch the money and they are going to give it to charity. She thinks that is wrong and messed up.