Money Trees are a type of tree in the the Animal Crossing series. To grow them, the player must bury a bag of Bells with a golden shovel. After the tree grows, it has a chance of blooming into three bags of the amount of bells that you planted, or 30,000 bell bags, whichever is lower. It will only bloom once.
The amount of bells buried corresponds to the percentage chances that tree will bloom. For example, if 10,000 bells are buried, there is a 10% chance the tree will bloom. The best result is to plant a bag of 30,000 bells, giving a 30% chance to grow and triple the amount of bells.