He does not water it too often but i think "once a month" is not enough..

it is winter so they grow very little...

Watering will depend upon the soil conditions and the plant's vigor (largely determined by the time of year). During the summer, I might water my Pachira every 2 - 5 days depending upon the temperatures. During the winter, I water approximately every 5 - 10 days.

My advice is to remove the Pachira from its container to evaluate the root health. Report back, and we'll tell you where to go from there. I also included a link to a Thread below, where many folks have discussed sick Money Trees.

Josh

This is all to say that Pachira is surprisingly tough....as long as it isn't drowned in thick, peat-based potting soil.

Separate the healthy trunk from the others (toss 'em), and wash the oil soil off of the roots. You'll want to have a container ready, even if it's only temporary. At this time of year, the plant is going to sulk after the re-potting, regardless. But you can minimize the shock by exposing the roots as briefly as possible. And use warm water when rinsing the roots and when you water the re-potted plant.

What sort of ingredients do you have to make a potting mix?

Josh

When I bring my Pachira out for the summer, I do so gradually. I rely on the
shade provided by a large sugar maple to keep the May sun from blasting the leaves...a
lesson that I learned the hard way.

I have seen a picture of an in-ground braided Pachira with a fused trunk. I tried to link to
an image below. If it just takes you to the Blog, then scroll all the way to the bottom
for the images.

Josh