Unlike fruit trees, even as soon as you've harvested your bell tree, then it is no longer a bell tree. It becomes a wood tree, just helpful for decoration/wood. So, after I've harvested the bells out of the day's bell tree, then I just hit it with my axe, gather the wood from it, then dig it up (selling it in Nook's). Afterward , I find where the shining place has moved into, and re-invest some of my money tree cash into a new currency tree, and retain the Animal Crossing Bells profit.
It's an adequate method of getting passive income, making 1k bells in the shining spot, and anywhere between 0-60k bells of gain in the tree (depending on how much you plant in the first place) every day. It ai not much, but it is honest work.
That is how it's always been but quarantine has seemingly given people unrealistic expectations. I'll normally play 10 minutes a day or just entirely bypass it then perform for a couple hours on the weekend to discover bugs or alter some things up in my island. People putting stuff like 500 hours and whining about the lack of content amaze me.
When it first came out, a number of my buddies awakened 200 hours of playtime in the first few months and had these mad elaborate islands. I had to stop taking a look at their posts about it as it made me feel so bad about my own! Now they've largely all burnt out on the game, however, while I am still plugging along with a few minutes per day.
Not gonna lie, that's literally what the game is to me I log into for approximately 20-30 minutes a day just after I wake up. I may log back in for 5-10 minutes in the evenings to check turnip prices or speak to villagers which weren't alert in the afternoon. But that's it.
It is funny, because you reach"the end" of the buy Animal Crossing New Horizons Bells game much sooner than any other AC game that I've played. I felt that this game moved too quickly.