You can bury bells and possibly make money trees with the golden shovel (can only plant money trees with the golden shovel). You can only get a max of 30,000 x 3 = 90,000 bells from a money tree so it is best to plant around 30,000-50,000 or so (I usually just stick with planting 30,000). The more bells you plant the higher chances it has to produce bells. Best way to get a money tree is to chop down a current tree with axe and plant a money tree in it's place so you are guaranteed that it will grow. It isn't guaranteed to produce bells though but at least it won't die the next day being planted in a wrong spot. I haven't planted one yet and I just blew through my 2 axes chopping trees down and forgot about it. I'll probably plant a 30,000 one next week.
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