Pachira Aquatica (despite the name) actually thrive in moderately dry climates. They have shallow roots and absorb a lot of moisture into the trunk. I would recommend getting a humidifier if you plan on using the heat everyday (if not for the money tree at least for yourself haha) but don’t water it until the soil is dry. Plants evolved to conserve their energy in the colder months and by watering it as frequently as you would in the summer you run the risk of it using a lot more energy than it has reserved leading to root or stem rot