Difference between "too much" and "so much" with noun

Basically, "too" means "more than necessary", often used to place before "much" and "many" with a noun. 

As for "so" (e.g., so much and so many with a noun), it is used as an intensifier (emphasis), which emphasizes a very large quantity of something.

Here're my examples of "too much" and "so much" in short:

1. You eat "too much" food.

= You overeat it, and it is not good for your health since it makes your organs work harder. You need to cut down on it or keep it balanced.

2. I have "so much" money. 

In this sentence, "so much" means "a lot of" as an intensifier (e.g., so, very, etc) and a quantifier (e.g., a lot of, much, many, etc), so you can either use "so much" or "a lot of" before the noun "money". 

It is not right to say that "I have very much money", even if "very" and "so" can be interchangeably used in many cases. It is important to note that we use "so" rather than "very" in affirmative clauses.

If you say that "you have too much money", it is grammatically correct. However, it may make native speakers feel strange when you say that, because "too much" usually implies that something is negative (or something is more than necessary). 

Everyone loves money and it is good to have a lot of money.