Instructions
Turn the spare shovel into a golden shovel. To do this, bury the shovel in the ground for one full day. After this, dig it up. It will then have turned golden.
Take money out of your wallet, and bury it in the ground using the golden shovel.
Take care of the sapling. To do this, make sure that you water it occasionally and that you keep it away from other objects.
Wait about four days. At the end of the four days, the tree will be full grown.
Shake the full grown tree. Collect the money that falls. You should receive triple the money that you started with.