you shouldn't be

You have to plant money with the golden shovel. Though you could lose money in the process. I suggest burying 30,000 bells for a 30% of it to bloom.

Is this on the regular version or New Leaf?

Its both.

Trees grow fruit, fruit can be sold. Actually fruit is more valuable than money, because you can't eat a dollar.

well this got off topic

your probaly "stoned" (rock pun)