If you are looking to earn bells quickly, good news – there is a way to grow Money Trees in Animal Crossing: New Horizons.
Here’s how it works – first, you need to find a shiny golden spot in your island. Digging up the spot with your shovel should reveal a bag of bells. After you’ve collected your bells, throw a bag of 10,000 bells from your inventory into the shining, golden hole, and bury it with your shovel.
In 3 days, a money tree will grow with 30,000 bells. Please keep in mind this only works once for each golden spot.
Here’s a video by BearedBear showing how it works: