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My Money tree is suffering :(

5 years ago
last modified: 5 years ago

One stem has all the leaves scooping upward, some have white one them as if it's inside the leave. There are holes and brown spots and the tips are brown. Today I found fungus in the soil and I think at one point it had scale bugs but I couldn't tell. I sprayed with neem oil and it's looking slightly better but the brown and yellow isn't getting better. Its recently transplanted but I think the soil used isn't good for it.? I'm not sure what fertilizer to use or how to bring her back to health. Any help is greatly appreciated!!!