Money tree

The Money Tree is an aspiration reward that was introduced in The Sims 2. The Money Tree has several ups and downs, so beware!

Ups

 * When a Sim's aspiration level is gold or higher, that Sim will be able to harvest forty Simoleons from the Money Tree.
 * You can use this item indefinitely ... as long as you keep it watered.
 * Money Trees are cheap in aspiration points, so if Sims who have plenty of aspiration points can afford plenty of Money Trees! Just avoid pesky neighbors and water the trees daily.
 * Harvesting money from the Money Tree fulfills the want to earn some money.
 * When it fails, it doesn't penalize or harm the user, it just gives the token amount of one simoleon.
 * Children can harvest from the Money Tree.

Downs

 * When the Money Tree is ready for harvest, neighbors can and WILL take the money from your tree. To avoid this, keep your Money Tree locked away from other Sims.
 * When your Sim has an Aspiration of green or lower, there is a 50% chance they will only receive one simoleon, during harvest.
 * If you don't water your Money Tree for a certain amount of time, it will wither away.

The Money Tree Trick
Although at first glance it may seem like a money tree isn't worth forking over 3000 Aspiration points for a mere $40, the money tree can actually be a key component for keeping Fortune Sims happy on a consistent basis. Spend a while saving up on Aspiration points, and then have your Fortune Sim use their hard earned points on as many money trees as possible. Once your money-hungry Sim has a small farm of at least 10 of these trees, the profit jumps to a potential $400 every 8 hours, or $1200 per day! For Sims that Want to earn a lot of money, money trees can certainly give give a lot of extra cash to pad their wallets with.

Sims 3
The money tree is also in The Sims 3, where you have to find a special plant seed, and there is a one in four chance of the seed growing into a money tree. The harvest can be upto around 5 money bags, and over $1000 per harvest!