How to make 30,000 bells from the money tree
When you see a glowing spot on the ground, it is 1000 bells in a magic hole. Once you dig it up, grab 10,000 bells from your wallet/inventory, select it, and bury in hole. A nursery tree will sprout that in 3 days will grow and bear 3 bags of 10,000 bells. If you don’t have 10,000 bells on you, leave the hole uncovered, and withdraw bells from the ATM. Go back to the hole and bury the 10K bells.