[jMyles]

What makes you even consider answering that question? I can't imagine a reason to answer, whether I was completely broke or carrying a few grand.

Of course, as others have said, it's probably best to seek advice from a group that focuses on this topic - perhaps Flex Your Rights.

But when in doubt, definitely don't answer. "Officer, I prefer not to discuss money right now" is a completely reasonable answer that most cops will respond to with an understanding nod. If they don't, just calmly tell them you aren't sure what questions to answer until you have a lawyer present. Again, totally reasonable answer.