How do you get money trees on Animal Crossing

Get a shovel at nook's shop. Dig a hole. BURY (NOT DROP) money in the hole. Water as needed. Eventuly, shake the tree. Money should fall out.Also shake trees without friut. CAREFULL, IF A BEE'S NEST FALLS OUT FLEE TO THE NEAREST HOUSE IMEDIETLY. Also a leaf/funitue may come to.
Hope this helps!