How do you grow money trees on animal crossing?

What you need to do to get a money tree is:

1. Get a golden shovel. (to get a golden shovel simply buy two shovels and bury one and dig it up after)

2. Bury your golden shovel, then unbury it. In the same spot (without covering it up again!) bury some bells! Then you will have a money tree!

Tip: If you want your money tree to grow money you have to plant 99,000 bells or else it won't work. But don't get your hopes up! It MIGHT not grow money with 99'000 bells, and I'm sure you don't want to lose 99'000 bells! It will only grow money ONCE.

Hope I helped!!^_^