“I was not dead, just dramatically underdressed.”
This looks like a money tree that has been badly neglected rather than actively rotting. The main issue is whole-plant decline from low light plus inconsistent watering while it was out in the garden. The good sign is that the stems/trunk are not soft at the base, so this is still potentially salvageable. It will need pruning back to healthy growth points, fresh light, and a much steadier indoor routine.
What to do today
Yes, this can probably be saved if the stems are still green under the bark. Start with a hard tidy-up, remove dead material, and keep the plant in bright indirect light while it recovers.
Also possible, but less likely
What would prove it
Rebuild it gently
Water only when the top layer of soil is dry, and watch for new buds along the stems. If no new growth appears and stems fail the scratch test, it may be too far gone.
Turn this into a recovery case
One photo gives a diagnosis. Tracking proves whether the plant is recovering.
Don’t leave the diagnosis hanging 🌱
Save it now, then use the next photo to confirm if this was the right call.
Create account & save plant 🌱