How do I get bell trees?

Once you have planted the 10,000 bells. You can the re dig the tree and replant where suits you best :) hth..

I have 3 human characters & I pack in 15k each time. The return is 3x15 for 25% & 3x10 other 75% doubling or tripling the investment

Of course you could plant 30k and expect to get 3x10 or 3x30 respectively or even money vs. 3X

@Eliza thank you!

Did u sort it?