How to answer a negative question without ambiguity?

Solution 1:

1. Use short answers:

   Don’t you have any money? — No, I don’t.
   Don’t you have any money? — Yes, I do.

2. Let context guide the listener:

   Don’t you have any money? — No, I gave it all to Lucy.
   Don’t you have any money? — Yes, but not enough for this item.

3. Use quantifiers, or intensifiers:

   Don’t you have any money? — None or None whatsoever.
   Don’t you have any money? — I have enough.

4. In Early Modern English, there were specific words for that.

Solution 2:

The most unambiguous way to answer would be:

I do have money.

English used to have four affirmative and negative forms (yes, yea, no, nay) to answer negatively formed questions like this but it was itself confusing, even for literary scholars of the time.

Solution 3:

You're talking about Negative Questions, Sb Sangpi.

The rule here is: there is no special rule in answering Negative Questions. How you answer Negative Questions is exactly how you answer positive ones.

So,

Do you have a class? = YES, I do. Or, NO, I don't.

Don't you have a class? = YES, I do. Or, NO, I don't.

I understand that most non-native speakers get confused by this. Because you're reverting to how you would answer it in the local language.

Hope you got it!

Solution 4:

As said by yourself, simply answering "yes" or "no" causes ambiguity. I would suggest using:

"Some", if you have money

or

"None, if you don't have any.