A ton of money is a large sum of money, usually referring to a million dollars. The term can be broken down into two crossword solutions: PILE (4 letters) and WAD (3 letters). A PILE is a large amount of something, usually arranged in a heap or stack. A WAD is a large amount of something, usually money, that is tightly rolled up or bunched together. Together, these two words describe a ton of money, which is a large sum of money.