Crossword Genius

Problem that can come with a load of money (3)

Ross

I think it could be either:

sum

ado
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But I've got no explanation for this one! Could you help me understand?

(Other definitions for sum that I've seen before include "All one has" , "Amount, aggregate" , "Total, add" , "Quantity of money" , "Add together" .)

I've seen this clue in The Sunday Times and The Times.
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