She can fully fund all her kids' college education in 3 months
She could but she won't.
She has displayed extremely irresponsible character already and that type of person does not save nor invest. I've also known a lot of prostitutes during my life because one of my older sisters was a stripper. She would occasionally take me with her to certain places and I would meet a lot of these types of women. They make insane amounts of money yet somehow they're always short. Turns out the type of people that want to make easy money or get rich quick are typically not good with money.