Well you have to burry 99,000 bells... And in a few days 3 bags of 90,000 bells will appear but the bad part is that the bells only come out once! So you will have to keep planting 99,000 bells if you want more money... All in all I think I could spare the bells to get a lot more! ^^ And I know this post is like 2 months old I just want to give the answer! ^^