If Nataly has 3 times as much money as Raquel, she has 3 * $40 = $<<3*40=120>>120
Tom has 1/4 as much money as Nataly, so he has 1/4 * $120 = $<<1/4*120=30>>30
Combined, the three have $30 + $120 + $40 = $<<30+120+40=190>>190
#### 190