*I can't find a picture but I will take one later and post it*
I never wanted to plant a money tree because it involves using a lot of your bells and I was obsessed with paying off my mortgage. Now that I have the last expansion to my house, I plan to take my time to pay that 948,000 bell mortgage.
If you have the bells to spare, chop down a tree by your house (
chop down a tree = good chance of a tree growing and
by your house = you can monitor it closely), and plant some bells. The secret is in the amount of bells you bury. The more you bury, let's say 99,000 bells, you'll have a 99% chance that bells will grow on a tree. If you buried 50,000 bells, you only a 50% chance. I think I tried to grow a money tree when I first started playing but only buried 2000 bells, yikes, that's a 2% chance, no wonder the tree didn't grow any bells.
Try it out and good luck!