Note this cheat is for PC.*
I dont know if you need a certain gardening skill for this, but all you do is hold down "CTRL, Shift, C" and when the cheat box comes up, type in "Testingcheatsenabled true" (Without quotations)
Go to buy mode and get the cheat box up again but holding "CTRL, Shift, C". This time, type in "Buydebug on" (Once again without quotations).
In 'Sort by function' in buy mode, you will see a question mark. Click on that. Click "Gardening Plants and Seed Spawners" which is the second option.
There will be little brown pictures..
Look for the one that says "Auto Soil: Plant Money Tree".
Put it somewhere on your lot (as much as you want), and then voila, you have a money tree.
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Well I only know how to get it for the computer. You open up the cheat code search (Press Ctrl+Shift+C) Then type in BuyDebug (No spaces and it is not case sensitive.) then go onto buy mode. Then press 'by category'. Then click the '?' icon and go to the button that says plant sprawners. scroll down to the pile of dirt and see which one says 'Money Tree'. When you use it, it will be a full grown tree. Not a seed. You can plant as many as you want. You can click harvest on the tree when you can to get moneybags to cash in for money. Hope I helped!
Yes, it is a lifetime reward.
you may earn lifetime reward points by completing "wants" or "wishes" in your sim's aspiration panel.