Ready for firing when loaded? (5,2,4)

I believe the answer is:

money to burn

I'm a little stuck... Click here to teach me more about this clue!

'loaded?' is the definition.
I don't know anything about this answer so I cannot judge whether this works.

'ready for firing when' is the wordplay.
'ready' becomes 'money' (I've seen this before).
'for' becomes 'to' (eg both can mean 'in the opinion of').
'firing when' becomes 'burn' (I am not sure about this - if you are sure you should believe this answer much more).
'money'+'to'+'burn'='MONEY TO BURN'

Can you help me to learn more?

I've seen this clue in The Times.

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