Using "much" and "many" correctly is a bit like using different puzzle pieces to fit in the right spots. They help you talk about amounts, but for different things.

You use "much" when you're talking about things you can't count easily, like liquids or ideas. For example, you say "How much water do you want to drink?" because water is a liquid, and you can't count it one by one.

You use "many" when you're talking about things you can count, like toys or friends. For instance, you say "How many toys do you have?" because you can count each toy.

Now, when you talk about money, you use "much" because money is something you can't count one by one like toys. So, "How much money do I have?" is the right way to ask.

And you're right, saying "How many money do I have?" is not correct because "money" isn't something you can count like toys. It's like asking "How many happiness do you have?" – it just doesn't fit.

So, remember, "much" is for things you can't count one by one, and "many" is for things you can count like puzzle pieces.