Here's the account of the guy who found the money and ID:
"Morrow said a $100 bill first caught his eye, prompting him to search through the dirt and pine needles. He then found three identification cards with Steve Fossett’s name on them sticking from the ground, he said."
http://rgj.com/apps/pbcs.dll/article?AID=/20081001/NEWS18/81001043/0/NEWS12Nothing about a vest or neat stacks of bills. Rather, they were scattered in the dirt and pine needles.
Also, news accounts from when he disappeared said that he was only wearing shorts and a T-shirt.
