At the very least, you have a choice in how you construct your reality. Since magick tends to follow the easiest route, most spells won’t cause a million dollars to fall from the sky (the likelihood of that happening is quite low).
Effective spells will open doors for you and make reality a little more flexible. Effective spells can also assist you overcome any subconscious obstacles you may have to getting money and alter your perspective and relationship with wealth. (For example: money is wicked, rich people are evil, being broke is God’s test of your worth, making money is very hard, etc.).
The world is awash with wealth. It all depends on your willingness to alter your thoughts and the effort you undertake.