I have a money tree and lately I've noticed on the underside of the leaves these little tiny dots that look like water droplets and the odd little web around the leaves. Now some of the leaves are turning brown. I asked Anne Marie, if there is a way to make it healthy again. Here's what she had to say:
The money tree (or good luck plant) is botanically called Pachira glabra and is often grown in a small container with up to eight thick braided trunks. The leaves are palmate (hand-shaped). It is a tropical tree from central and South America. Even though they are native to a humid, moist tropical location, in our homes they should be kept somewhat dry and have good drainage. Make sure the plant is dry between watering–water it thoroughly then let it dry out again. The thickened stem does hold some reserves of water for dry spells. The money tree seems to grow best in containers that are undersized for their height, too. Misting the leaves will help during the winter months. Place the plant in a bright window that doesn't get direct sunlight.
The tiny dots under the leaves could be the plant's emergency moisture-release system kicking in. Called “guttation” in botanical language, these drops of sap are the result of the roots continuing to take up water, which accumulates in the plant and can't transpire enough (particularly at night). The plant releases this under pressure water through special structures in the leaf, where they form drops. High soil moisture levels at night encourage guttation. Reduce the soil moisture and this will stop. High soil moisture might be the cause of the browning leaves, too.
The odd fine webbing could be from a spider, but watch to see if the webs become numerous and small black dots appear on the underside of the leaf–if so, spider mites might be the culprit.
I'll see what I can do with Anne Marie's advice and report back. What I want to know is if I kill my money tree am I destined for a life of debt?