I heard that if you bury a bag of 100 bells, it will turn into a regular sapling. NOT a money tree. I know that you have to have the golden shovel and that if you only bury 100 bells, the chances of creating a money tree are very slim. I'm not trying to create a money tree, though. I'm using a silver shovel and burying a bag of 100 bells and I thought it would turn into a regular tree but after a day it is still just a star on the ground? What am I doing wrong? Do I have to have a golden shovel even just to produce non money trees?