Why does money tree plant get white spots?

White spots on a money tree plant (Pachira aquatica) are often a sign of pest infestations, such as spider mites or mealybugs. These pests feed on the plant's sap, leading to damage and the appearance of white or light-colored spots on the leaves. Additionally, fungal diseases, often linked to overwatering or high humidity, can also cause similar symptoms. It's essential to inspect the plant regularly and treat any infestations or diseases promptly to maintain its health.