I think it’s a bit of a gamble to plant money trees as means of profit but they definitely look cool/decorative purposes. You basically plant 30k or more (using your golden shovel) and you have a chance of growing a money tree (iirc the more money you plant the higher probability to grow money but you can still earn less than say if you planted a 90k bell bag because it’s kinda luck based). The highest amount you can get from a money tree is 90k (30k bags each), whether you plant 30k or 90k. You can also only plant one money tree a day. But yeah I haven’t planted one in a while so my memory is kinda fuzzy.
I found this online with the probabilities for burying bells: