Toni simply wasn't watching her money. She didn't find out she was broke until she was. Before that, she assumed that she was rolling in dough and lived accordingly. I'm pretty sure Laface gave her a shitty deal, but it sounds like she was totally oblivious to it because she was distracted by her own success. When you're successful, you have to be mindful of every dollar coming in and going out. You can't just work and then count your earnings afterwards. She learned that lesson the hard way.