Can Money Trees Live Outside?

Money trees, scientifically known as Pachira aquatica, are beloved houseplants celebrated for their braided trunks and lush, green foliage. Often associated with good luck and prosperity, these tropical beauties are a favorite among plant enthusiasts. A common question among money tree owners is whether these plants can thrive outdoors. This blog post explores the feasibility of growing money trees outside, their care requirements, and tips to ensure they flourish, whether indoors or out. With detailed insights and practical advice, this guide aims to help both novice and experienced plant parents make informed decisions about their money trees.

Understanding the Money Tree: Origins and Characteristics

Money trees are native to the tropical wetlands of Central and South America, where they grow in marshy, humid environments. In their natural habitat, they can reach heights of 60 feet, but as houseplants, they typically stay between 3 to 6 feet tall. Their distinctive braided trunks, created by weaving together young stems, and their glossy, palmate leaves make them a striking addition to any space. The plant’s cultural significance, tied to feng shui and prosperity, adds to its appeal.

Given their tropical origins, money trees thrive in warm, humid conditions with bright, indirect light. These preferences heavily influence whether they can survive outdoors and under what conditions.

Can Money Trees Live Outside?

The short answer is: it depends. Money trees can live outside in specific climates and with proper care, but they are not suited for all outdoor environments. Their tropical nature makes them sensitive to cold temperatures, direct sunlight, and low humidity. Let’s break down the key factors to consider when deciding if a money tree can thrive outdoors.

Climate and Temperature

Money trees prefer temperatures between 65°F and 85°F (18°C to 29°C), though they can tolerate a range from 50°F to 90°F (10°C to 32°C). Outdoor environments must align with these temperature preferences. In USDA Hardiness Zones 10 to 12, such as parts of Florida, Southern California, or Hawaii, money trees can potentially live outside year-round, provided they are protected from extreme conditions.

In colder climates, outdoor placement is only viable during warmer months, typically spring and summer. If temperatures drop below 50°F, the plant risks cold damage, which can cause leaf drop or stunted growth. Frost is particularly harmful and can kill a money tree if left exposed.

Light Requirements

Money trees thrive in bright, indirect light. Outdoors, this translates to a shaded or partially shaded area where the plant can “see the sky” but is protected from direct sunlight. Direct sun exposure can scorch the leaves, leading to brown, crispy edges. Ideal outdoor spots include under a tree canopy, on a covered patio, or near a north-facing wall where sunlight is filtered.

Humidity and Moisture

As natives of marshy wetlands, money trees love humidity levels of 50% or higher. Outdoor environments in tropical or subtropical regions often provide sufficient humidity, but in drier climates, additional measures like misting or grouping plants together may be necessary. If humidity is consistently low, the plant may develop brown leaf tips or struggle to thrive.

Soil and Drainage

Whether indoors or out, money trees require well-draining soil to prevent root rot, a common issue that can kill the plant. Outdoors, ensure the soil mix contains components like peat moss, perlite, and sand to promote drainage while retaining some moisture. Compacted or heavy clay soils can trap water, leading to root issues.

Benefits of Growing Money Trees Outdoors

Placing a money tree outside can offer several advantages when conditions are right-

• Enhanced Growth: Outdoor environments with ample light and humidity can encourage faster growth and more vibrant foliage.
• Natural Aesthetics: Money trees add a tropical flair to gardens, patios, or balconies.
• Improved Air Circulation: Outdoor settings often provide better airflow, reducing the risk of fungal issues or pests.

However, these benefits come with challenges, such as exposure to pests, weather fluctuations, and the need for vigilant monitoring.

Challenges of Growing Money Trees Outdoors

While outdoor growth is possible, several challenges must be addressed-

• Temperature Fluctuations: Sudden drops or spikes in temperature can stress the plant.
• Pests: Outdoors, money trees are more vulnerable to pests like aphids, spider mites, or scale, which often hide on the undersides of leaves.
• Weather Extremes: Heavy rain, wind, or drought can harm the plant if not managed properly.
• Light Imbalance: Finding the perfect balance of light can be trickier outdoors than indoors, where grow lights can be controlled.

How to Care for a Money Tree Outdoors

To successfully grow a money tree outside, follow these care tips tailored to outdoor conditions.

Selecting the Right Money Tree

When purchasing a money tree, whether for indoor or outdoor use, choosing a healthy plant is critical. Here’s how to select a thriving specimen at the garden center-

• Check the Braid: Most money trees have braided trunks, a man-made feature created by weaving five or more young stems together. Ensure the braid is uniform, with stems of similar thickness. Uneven braids or lopsided plants may indicate weaker stems that could struggle over time.
• Inspect the Leaves: Look for vibrant, green leaves without yellowing or browning. A few discolored leaves are normal, but widespread yellowing or brown blemishes may signal watering issues, poor lighting, or disease.
• Examine the Roots: If possible, gently remove the pot to check the roots. Healthy roots are firm and white, while mushy, brown, or black roots suggest rot or poor health. Avoid plants with a foul odor.
• Look for Pests: Inspect the tops and undersides of leaves and stems for pests like spider mites or aphids. Shake the plant gently to check for fungus gnats, which can indicate soil issues.
• Evaluate the Soil: The soil should be loose and well-draining, not compact or overly wet.

Once a healthy money tree is selected, consider quarantining it for three weeks before placing it near other plants to prevent the spread of pests or diseases.

Placement and Light

Choose an outdoor location that mimics the money tree’s natural habitat. A shaded patio, a spot under a tree, or an area with filtered sunlight is ideal. If direct sunlight is unavoidable, use a shade cloth to protect the leaves. Monitor the plant for signs of scorching, such as brown leaf edges, and adjust its position if needed.

Watering Wisely

Overwatering is the leading cause of money tree failure, both indoors and out. Unlike many plants, the issue is not the amount of water but the frequency. Money trees prefer to dry out completely between waterings. Here’s how to water effectively:

• Check Soil Moisture: Use a wooden skewer or moisture meter to test the soil. Insert it to the bottom of the pot; only water when the skewer is dry or the meter reads zero.
• Water Thoroughly: When watering, add enough water to eliminate dry pockets in the soil. Ensure excess water drains out to prevent root rot.
• Adjust for Weather: Outdoor money trees may need more frequent watering in hot, dry conditions or less during rainy periods. Always check the soil before watering.

Fertilizing for Growth

During the growing season (spring and summer), fertilize the money tree monthly with a general houseplant fertilizer containing nitrogen, phosphorus, potassium, and micronutrients. Dilute the fertilizer to half strength and apply it after watering to avoid root burn. In fall and winter, reduce or stop fertilizing, as the plant’s growth slows.

Maintaining Humidity

Outdoor humidity varies by region. In dry climates, boost humidity by-

• Grouping the money tree with other humidity-loving plants.
• Misting the leaves occasionally, especially during hot, dry weather.
• Using a portable humidifier near the plant.

Cleaning the Leaves

Dust and pests can accumulate on money tree leaves, hindering photosynthesis and inviting infestations. Clean the leaves monthly using one of these methods-

• Spray and Wipe: Fill a spray bottle with water and a small amount of Castile soap. Spray the leaves and wipe them with a microfiber cloth to remove dust and pests.
• Shower Method: Cover the soil with a plastic bag to prevent oversaturation, then gently spray the leaves with a hose or showerhead. Use enough pressure to dislodge dust and pests without damaging the leaves.

Regular cleaning also allows for close inspection, helping to catch pest issues early.

Pruning and Shaping

As the money tree grows, occasional pruning is necessary to maintain its shape and encourage bushy growth. Use sanitized pruners to trim runners or overly long branches within the canopy. This promotes new growth and keeps the plant looking full and healthy. Avoid cutting the braided trunks, as they are a fixed feature of the plant.

Repotting Outdoors

Money trees prefer snug pots and typically need repotting every 2 to 3 years or when signs of root-bound conditions appear, such as compacted soil or stunted growth. Follow these steps-

• Prepare the Plant: Water the money tree a few days before repotting to reduce transplant shock.
• Choose a Pot: Select a pot 1 to 2 inches larger in diameter than the current one for small plants, or the next size up for larger ones. Oversized pots retain too much moisture, increasing the risk of root rot.
• Use Well-Draining Soil: Create or purchase a soil mix with peat moss or coir for moisture retention, and perlite, sand, or pine bark for drainage.
• Repot Carefully: Place a layer of soil in the new pot, position the plant so the root ball sits just below the rim, and fill in with soil. Lightly compact the soil to secure the plant, then water thoroughly if the mix is dry.

Pest and Disease Management

Outdoors, money trees are more susceptible to pests like spider mites, aphids, and scale. Regularly inspect the leaves, especially the undersides, and clean them as described above. If pests are detected, treat them promptly with insecticidal soap or neem oil. For root rot, indicated by mushy roots or a foul odor, remove affected roots, repot in fresh soil, and adjust watering habits.

Transitioning a Money Tree Outdoors

If moving an indoor money tree outside, acclimate it gradually to prevent shock. Start by placing it in a shaded outdoor area for a few hours daily, increasing exposure over 1 to 2 weeks. Monitor for signs of stress, such as wilting or leaf drop, and adjust light or watering as needed.

Winter Care for Outdoor Money Trees

In regions with cold winters, outdoor money trees must be brought indoors when temperatures drop below 50°F. Place them in a bright, indirect light spot and maintain indoor care routines. If year-round outdoor growth is desired, consider a greenhouse or protective covering to maintain warmth and humidity.

Common Mistakes to Avoid

To ensure a money tree thrives outdoors, avoid these pitfalls-

• Overwatering: Water only when the soil is completely dry to prevent root rot.
• Excessive Sunlight: Protect the plant from direct sun to avoid leaf scorch.
• Ignoring Pests: Regularly inspect and clean leaves to catch infestations early.
• Using Poor Soil: Ensure the soil is well-draining to support healthy roots.

Additional Tips for Success

• Rotate the Plant: If placed near a light source, rotate the money tree periodically to ensure even growth.
• Monitor Weather Changes: Be prepared to move the plant during extreme weather, such as storms or heatwaves.
• Embrace the Symbolism: In feng shui, money trees are placed in the wealth corner (southeast) of a space to attract prosperity. Whether this influences placement, it adds a fun element to caring for the plant.

Conclusion

Money trees can live outside in warm, humid climates with bright, indirect light and proper care. By mimicking their tropical origins—through careful watering, well-draining soil, and protection from extreme conditions—plant parents can help these prosperity-filled plants thrive outdoors. Whether on a patio, balcony, or garden, a healthy money tree brings beauty and a touch of luck to any space. With the right approach, anyone can enjoy the benefits of this iconic houseplant in an outdoor setting.