How do you get 99 000 bells on Animal Crossing City Folk?

Answer 1

Some ways to earn money on Animal Crossing are shake trees, sell stuff, fish, catch bugs, and if you have a shovel go up to a rock and hit the rock with your shovel. One rock a day will have 4,800 bells in it. Dig a hole behind you so you don't move back when you hit the rock, and hit the rock with your shovel as fast as you can for 10 seconds and you might get 4,800 bells.

Answer 2

If you grow a money tree with 99,000 bells you will get 3* the amount