Money Tree Stem Fungus: Neem Oil and Watering Correction

Observation

Peter's 6-month braided money tree: thin cotton-like layer at soil line on trunk.

Treatment

• Pure Neem Oil (Dyna-Gro) — non-washing, spares beneficials
• Spray soil and plant for full protection
• Fungicide + miticide + insecticide
• Builds residual protection over time
• Only spray new growth after initial application

Cultural Cause

Overwatering likely — money trees need very little water. "Cotton-like" fungus at soil line = surface mold from excess moisture.

Care Adjustment

• Reduce watering frequency significantly
• Allow soil to dry substantially between waterings
• Ensure excellent drainage

Neem oil treats existing fungus; corrected watering prevents recurrence.