After quit a bit of internet search, it appears any three of these bugs (psocods) would rather stay in the soil, because they eat what's in the soil. I'll take it as a compliment, because that most likely means it's rich soil. It also seems it was just luck to have stumbled upon the bugs by using the potato. I've used potato in the past to check for fungus gnats, so it's the go-to.
Worst case scenario: The problem occurs when they multiply, and this is the time of year that they multiply. However, they do not just multiply, they will infest. If they would actually escape the pot, the bugs go for things like things like paper and books then get in cracks and crevices.
Yes, Janet said she wouldn't get rid of them.....but I have to do it. The other option was to throw out the money tree, but I can't because that is just tempting karma, if you know what I mean.
So I'm going to treat. But I'm not sure if I should use insecticidal soap.
(Sorry, Daisy, had to say it!)
Thank you so much for all your help!!!
