How to Plant a Money Tree – Animal Crossing: New Horizons Wiki Guide – IGN
The spot will be around all day, so if you don’t have at least 10,000 Bells saved in your pocket go ahead and try to get that much before proceeding. This will benefit you in the long run. You can still grow a money tree without that many Bells, but your tree will be worth significantly less.
Once you’ve got your Bells ready to go, dig that magical, glowing spot. You’ll dig up 1,000 Bells. Keep your shovel out, but don’t close the glowing hole! Instead, you’re going to take out 10,000 Bells from your Bell stash and make them into an item. Do this by selecting the Bells in your inventory then choosing 10,000 Bells as shown in the screenshot below.
Now that your Bells have been turned into an item, select those Bells in your inventory to bury them. You can also plant the 1,000 Bells you found if getting 10,000 Bells isn’t an option, but again, your Money tree will grow significantly fewer Bells.
Ta-da! The little sprout that comes up is the confirmation that you’ve successfully planted your first money tree. After a few days, your tree will grow to its full size and will start producing three bags of bells. Each bag is worth the amount you planted, so if you planted 10,000 Bells, you’ll earn 30,000 Bells from the tree. So far it seems that 10,000 Bells is the maximum you can plant. Good luck with your tree!
Did you know that some trees drop Bells when you shake them? There’s a rumor that, once a day, a random tree drops even more Bells if you keep shaking it! There’s also a random rock that’ll drop Bells instead of resources when you hit it with your shovel. That rock changes daily.