Example: Plant 20k You either have a 30% probability of Nook Miles Ticket getting 60k from the shrub or a 70% likelihood of getting 30k

Most efficient way is to plant 10k everyday, but its a close race with burying 99k everytime

I guess I may as well describe to you how cash trees work, whilst I'm considering it.

So, have you ever encountered a bizarre gold luminous spot on the floor in your island? DO NOT FILL IN THE HOLE!

So, now you have a magic glowing hole on your island, the next step is to choose the number of bells you want to plant. Many people advocate only planting 10k bells, I personally plant 20k bells, and a few especially brave people plant 30k bells. As soon as you've decided the number of bells you need to plant, you then need to get a bell bag (containing that many bells) prepared on your inventory.

If you don't know how to do that, open your inventory, pick the thing showing how many bells you're carrying, press , then select the number of bells that you wish to place on your own pockets.

Once that's done, return to the luminous hole. Grab a shovel, open your pockets, pick the bell bag you would like to plant, and plant which in the glowing hole.

Now, rather than a luminous hole, you'll finally have a nursery cash tree. I would recommend digging it up and moving it someplace convenient to get to, but you do not have to.

The money tree grows just as quickly as every other tree, so, on the 4th day of its existence, it will be fully grown, with bells hanging off it, ready to be harvested.

You harvest it exactly like any Cheap Animal Crossing Items other fruit tree.