You wrote "he is almost never in the mood to have sex, now I know he is stressed about money, work and whatever else", this is the problem.
Stress is interferring with your life but I guess he doesn't know sex can sometimes be a stress reliever. Well at least to me.
Okay with all seriousness stress can affect sexual a person performance and rob them of their libido. Usual when someone is feeling stress, sex may not be at the top of their to-do list. However I do see he is engaging in other activities with you. I provided a link for you to check out when you have the chance.
www.stress.about.com/od/sex/a/low_libido.htm - 30k
He isn't in the mood because he has other things on his mind. Has he lost his job due to the economy crisis? If so, that can be a downer.
Another talk might be in order along with a lot of patience and understanding.
Whatever you do, don't think you are the reason behind him not having sex with you but you aren't the reason.