A summary from Gregory E. Rutledge (2006 [2002]):
In “The Money Tree,” Silky finds herself forlorn at the disappearance of her brother, Morgan, whose incessant struggles for income led him to seek out the fabled Golden Table their grandfather had told them about when they were young. Morgan has been absent and presumed dead for months when the story opens. Straddled with nightmares and sinking further into despair, Silky tries to commit suicide by drowning herself in her bathtub. Ironically, this act reconnects her to the maternal in the form of her deceased mother, a mermaid who could never acquaint her children with the love of water, and River Mumma, the ancient water deity who identifies Silky’s mother as a daughter. Free of nightmares, her social life returning, and her body plump like her mother’s, Silky takes a swim at the YMCA. Hopkinson wrenches the story into the fantastic when River Mumma appears and the pool turns into an old Jamaican river where the treasure Morgan sought was supposedly located. As frightened swimmers rush out of the pool, Silky discovers her latent abilities as a mermaid and dives down toward her brother who is still holding on to the table. (17)