Most of our life is made by ourselves only. Luck, fate or the factors beyond our control are only a very less part. That is why it is said 'Life is 99 per cent perspiration and one percent inspiration'. We have to 'perspire' working hard. It is also said Lady luck favours only those who take care themselves.
Life will have its ups and downs. We should not overjoy in good times and we need not feel totally depressed in bad times. We should approach them realistically.
We can earn money and then make wealth by using the earning prudently and intelligently, without frittering or wasting.Even if the regular earnings are less, we can make a happy living by 'living within means'. Even we can (and have) to save a little money regularly. Saving habit will help us to face the lean times without shocks. If we plant a few trees in our good times, we can eat the fruits in our bad times. So saving and investing them in productive and proper ventures is also a matter to make wealth. One should not fall to temptations one should not be greedy.One should be systematic and realistic about money and wealth.
No one can make another wealthy or pauper just by chanting some mantra, placing some material or doing 'black magic'. You need not believe so. Nobody can 'block' your Laksmi coming in- other than yourself. For Lakshmi to enter and stay in your place and mind should be clean, hygienic without any bad and negative thoughts and actions. When you have more money, help others who are in need. You will then get help when you are in need. Use Lakshmi for only good things. Do not use Lakshmi for gambling and illegal or immoral matters.
As the old Tamil saying goes-'Mantram kaal;mati mukkaal'-( Mantra only one quarter, one's own intelligence three quarters) ,use your knowledge and intelligence maximum.
Then chant the mantras and do prayers to Goddess Mahalakhmi , to take care of the factors not in your control.