Agree with annie here, esp. if you’ve set that money aside in an investment such as a 401(k) or similar retirement plan, or a plan for the kids’ education. According to the sheet I just looked up, those things don’t count against the free and reduced lunch program (and breakfast where offered).
The form asks what each person brings into the family in income, starting with earned wages, then child support, welfare, alimony; then money received FROM a pension, social security, or retirement (NOT how much is in it); then workman’s comp, SSI, and other income. It never asks how much is in the bank, even, such as food stamps.
I help relatives raising young relatives fill these out all the time.