I have money = at the moment, right now, I have money
I have had money = at various times in the past I had money (we don't know if you have any now)
I had money = at a specific time in the past I had money (e.g., "I had money last week, but now I have none."
I had had money = you had money at a particular time in the past, and then later you didn't (e.g., "I had had mo