Money Tree Mushrooms? Overwatering Is the Culprit

Money tree with fungal growth

A money tree (Pachira aquatica) that was thriving suddenly develops yellowing leaves, fungus gnats, and mushrooms at the base. The diagnosis: chronic overwatering.

Why Mushrooms Appear

Mushrooms are the fruiting bodies of fungi living in the soil. They indicate the potting mix stays constantly wet, creating perfect conditions for fungal growth and root rot.

Rescue Plan

1. Repot immediately. Remove the plant, gently shake off old soil, and inspect roots. Trim any black, mushy roots.
2. Use fresh, well-draining potting mix from a reputable brand. Choose a pot only slightly wider than the root ball—about 8 inches minimum diameter for a mature plant.
3. Water correctly going forward: Wait until the top 3 inches of soil are dry. Water deeply until it drains from the bottom. A moisture meter (inexpensive at garden centers) eliminates guesswork.

Are the Mushrooms Toxic?

Most soil mushrooms are not dangerously toxic to touch, but wear gloves when handling them. Don't eat them. The real danger is the root rot killing your plant.

With proper watering, your money tree will recover and thrive for years.