"Every daily reset, at 5 a.m. local time, there will always be at least one shiny spot on your island. Dig this spot using any type of Shovel. You'll automatically receive a bag that contains 1,000 Bells. You can put this away so it can be added to your total cash in your inventory. Next, click on the money in your inventory and create a separate bag that has an amount of cash. We recommend having a bag that has 10,000 Bells."
"Animal Crossing: New Horizons Money Trees take four days--i.e. four daily resets--to grow from a sapling to a fully matured tree. After four days, you'll see that the tree has bags of cash. Just shake it to claim your prizes. After doing so, the object will turn into a normal tree. Note: If you want, you can use the "time travel" trick to speed up the process. Simply save and close the game. Then, go to your Nintendo Switch system settings and advance the date."
Money Trees must be planted from shiny digging spots that appear each day at 5 a.m. Digging yields a 1,000 Bells bag and then players should create and bury a separate bag (recommended 10,000 Bells) in the shiny spot to plant a sapling. Saplings take four daily resets to mature, producing bags of Bells that can be claimed by shaking the tree, after which it becomes a normal tree. Time travel by changing the Nintendo Switch date can speed growth. Planting 10,000 Bells typically produces three bags worth 30,000 Bells; higher deposits may not triple reliably.
Read at GameSpot
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