I think money trees are deciduous and they lose their outward growth sometimes. But just when you really need it there will be new growth, and in the meantime you have grown... in patience, in thriftiness, in inventiveness. I have had my seasons with dh's depression and under employment. I now have faith that the others skills I "grew" during those hard times will hold me through the deciduous seasons and I am pretty sure they will happen again so I don't fear what I am pretty sure will happen. I just prepare!
See, it was one of those! OK, may be not for you :-) , but it was significant for me.