I have done an experiment on money trees.
Things you should be aware of while planting money trees.
-You need a gold shovel
-Planting larger amounts will give a higher chance of money apearing
-You can NOT plant more than one tree at a time and have them both have money one ninetendo made it so you can not mass produce the trees
-Stumps help the tree sprout money
-The max you can get from one tree is 90k (3 bags of 30)
-I have lost 4mil to money trees (1mil trying to mass produce 3 to experiment)
-people will steal the money if you leave it on the tree
- These last three points are invaild
Edit
-Money trees (like all trees) don't need attention just leave them to grow, this means you can tt 5 days ahead and have the grow perfectly.
So what you should is plant a tree (not money) let it grow, chop it down ad then plant some money (under 90k) but no more than one tree a time.
Well you may ask me questions if you are unsure about planting money trees if this is unclear.