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Animal Crossing: New Horizons is a game meticulously designed so players have plenty to do and enjoy. There’s a heavy emphasis on decoration and exploration. And there are quite a few ways players can increase their in-game currencies. One way players can increase the number of bells they have is by planting money trees. And recently, in an effort to make a fortune, a player planted a money tree using their life savings and was the recipient of an underwhelming reward.

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The player had planted the money tree using 99,000 bells and got only 30,000 in return. The player must have been devastated, but what did he do wrong?

Animal Crossing: New Horizons – how did the player lose so much money?

In this game, players will sometimes find themselves with a unique opportunity. Players will come across shining spots on the ground. They can decide to use a shovel and dig away at the spot, which will normally give them some bells. Once the player has done that, there’s a hole in the ground. Instead of filling the hole, players can choose to plant a money tree in the spot using some bells.

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If the players decide to use bells between 100 and 1000 in amount, they will always get three times that amount in bells. This means that if a player plants a money tree with 1000 bells, they will get 3000 in return. However, when a player goes beyond that amount and plants a money tree using anywhere from 10,000 to 90,000 bells, there’s a good chance they will get 30,000 bells in return regardless of the number of bells they used to pant the tree.

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Basically, there’s a 70% chance of getting 30,000 bells as a reward and a 30% chance of getting three times the original amount as a reward. This means that if players use 90,000 bells to plant a money tree, there’s a 30% chance they might get 270,000 as a reward. And that’s what this player who lost all his life savings was going for. And that’s why he lost his life savings.

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While it’s a good idea to invest in these money plants in Animal Crossing: New Horizons, it’s not a good idea to spend your life savings on them.

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