Well then, for Money, the iCloud adventure is over. Jumsoft has replaced iCloud-syncing with the old WiFi-syncing again.
Before updating Money, you should make a backup of your iCloud-file (at opening screen, just drag the file to the desktop or somewhere else). Once updated, Money tries to download the file by itself. For me, the app crashed during this process, and just saved a blank file. Luckily I had backed up before.
I don't think we should blame Jumsoft for the problems with iCloud. I had the same kinds of problems with all other iCloud-supporting apps, even the ones from Apple (iWork). Well OK, we have to blame the guys from Jumsoft for being just too optimistic that Apple wouldn't screw up (again). The whole "Documents and Data"-thing of iCloud is pretty dangerous with any app, many have lost their documents and data using it… Usually, when a file can't be opened again, just uncheck documents and data in SystemPreferences>iCloud, and then check it again. All files will be deleted from your mac, and then downloaded again. Most of the time, you can open your files again, and everything is perfect. Sometimes however, a file gets corrupted and you can't open it anymore. Anyway, it is important to back up your iCloud documents (Library>Mobile Documents).
Of course Jumsoft hasn't handled the iCloud-incident very well, and I am sure they have lost many customers. Rightly so. However, I stay with Money, as the app has served me so well for a long time. I wish they'd establish their own safe syncing server solution, like the OmniGroup has for OmniFocus.