I don't know if this has been posted but it's like this 1000 bells = 1% chance of money tree (x3 30,000 bell bags), 50,000 bells = 50% chance of money tree (x3 30,000 bell bags) and so on. If you know how to use them, they can help you
, so basicly planting anything over 89,000 bells is useless, your'e either getting the same amount, or loosing an amount, or the tree doesn't grow money.