Question
I have a money tree which has some issues. The bark is coming off and blotchy near the base and up about 5 inches. Also little gnats on it even thought I have sprayed several times with Seven.

Answer
Hi Nick,  Your biggest problem as I see it is too much water.  The bark coming off is the indication of it being water logged.  Money trees can live on next to no watering like a cactus and be happy.  The gnats are there because your plant is sick.  So stop watering, in a container make sure it is not sitting in water in a drain dish, check out Atomic Grow to help your tree back to health, it is organic.  kathy