A: What are you doing this summer?
B: If I have the money I will take a vacation.
A: What are you planning to do this summer?
B: If I had the money I would take a vacation.
What do you think?
I'm not 100% sure what the question is, so forgive me if my response is not what you're looking for.
The 2nd conditional "If I had...would" means, I've already decided that I'm not taking a vacation. The condition is: If the money was there ('was' actualizes the event), I would take a vaction, but since the money is not there, I won't be taking a vacation.