The most common and most likely answer to this crossword clue is the 3 plus 5 plus 5 letter word THE MIDAS TOUCH
I've seen this crossword clue in The Daily Telegraph
T
H
E
M
I
D
A
S
T
O
U
C
H
Buddy explains!
The straight part
We know that "a gift for making money" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case a gift for making money = the midas touch.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.