Q.What Is Happening To My Pachira?
I cut off the spotted leaves and the watering happens only when the media is dry to the touch (about every week and few days) but I saw the spots in the inner leaves and then it showed up in the outer ones. Is it fungus?

Certified GKH Gardening Expert
If you think it could be overwatered, I would repot in fresh potting soil and clean container.

Certified GKH Gardening Expert
I suggest watering even less; wait till the soil is dry. However, increase the humidity with a pebble tray. There could be a fungal infection so removing the affected leaves is a good idea. Spray the leaves with an antifungal such as Neem oil.
Here are more care tips:
https://www.gardeningknowhow.com/houseplants/pachira-money-tree/growing-money-tree-houseplant.htm

Thank you so much for your response! In case of fungus, should I repot? Or should the need oil be enough?