Help! First house planter with money tree(Pachira aquatica)!

Hello everyone,

I just received a small money tree yesterday. It came in a plastic grower pot with the bare minimum amount of soil.

I'm wondering whether I should repot it into a terracotta pot now, still using a minimal amount of soil, or wait a while. I've read that it's often best to wait about a month after receiving a new plant to avoid stressing it. However, given how little soil it's in, I'm not sure it can stay healthy in the current pot for that long.

I’d really appreciate any advice or recommendations!