E.g. : I don't have any money .
means :that I dont have money at all. (no money at all)
E.g. : I don't have much money .
means :that I have some money ,but very little (a little money not no money )
E.g. : I don't have any pens .
means :I don't havve pens at all not even one (no pens at all )
e.g. I don't have much pens .
means : that I have some ,but not enough ( a few pens )
to summarize :[b] much \Many means there is some not nothing
,but any means there is nothing