Money doesn't grow on trees.

So right now There are alot of questions I have. Alot that doesn't make sense and I'm hoping someone can give insight. Today in service I became quite confused with the message. Some things yes I understood however there is still some that I'm very confused with. What I gathered from the message today was pretty cut and dry you shouldn't spend money that you don't have. That's pretty simple and well versed throughout life yes. But if you don't have money to spend on things you want let alone sometimes on the things you need but yet you should still tithe away. If I have five dollars and i want o put gas in my car, but I still should tithe do I give that five dollars to God? Or as the example today if a person wants to go to church on Sundays but becomes unable to because they have work or maybe they have no car they are not really wanting to be there then? Maybe I didn't understand the message but I really felt like I was hearing that they should quit their job to attend church so that then god would find them a job that they would not have to work on Sundays and woul be able to attnd church? I asked my husband about this par of the message today and He told me that was not what was said or meant. Then what is what I am asking?
To me saving that five dollars and waiting to tithe means thinking in reality because it's said god does not answer all prayers with the answer you want each time so shouldn't you be smart about it then!? I am having such a hard time with alot of this today.