I also agree. The yellow leaf spots on your
Money Tree (Pachira aquatica) are a definite sign of inconsistent watering ... I know because I have a totally neglected Pachira that stays outside on my deck year round and I never pay attention to it. I think the only reason it's alive is due to the humidity here where I live.
Your tree is really beautiful and you should try to keep the soil just slightly damp throughout. Water the soil thoroughly and empty any excess water from the tray. Check for moisture every five or six days by sticking a finger down into the soil a couple of inches to see if it still feels damp. Since your tree is in a terra cotta pot, depending on how quickly it dries out, you may have to water once a week to keep the soil damp.
