Remember, X marks the spot. You should have already found the treasure.

How do I find the treasure?

But you'll need something to dig with.

Where could you get a shovel?

Maybe from your local retailer?

Go the store at the far end of town, and buy a shovel from the storekeeper. You'll need money.

Where can I get some money?

Now, dig up the X at the treasure site to find the booty!