There are many threads about wealth magic here as well as dozens of books. I would like to recommend specifically Jason Miller's "Financial Sorcery: Magical Strategies to Create Real and Lasting Wealth". Being a reformed slacker himself, he describes how to get out of that particular mindset and start getting serious about creating wealth for yourself. I quote:
Many people think of money as a stationary thing that one possesses; like the coins in Scrooge McDuck’s vault, it is just sort of there in a big pile. But the truth is that money likes to move. Money never stays still. You are always either making money or losing money. This is the root of the old cliché that you have to spend money to make money. Money circulates. It is traded for goods and services, exchanged in markets, gambled in casinos or derivatives markets, entrusted to banks to invest for you, and is generally in a constant state of motion. If you are the type of person who stuffs money into the mattress, it is time to get it in motion.
What this means for the sorcerer is that rather than doing simple spells for drawing in sums of money, the focus should be on managing the flow of money through your life.
If you don't think that winning the lottery is realistic and want to get rich the conventional way but assisted by magic, you'll have your work cut out all the same. If you don't work in a corporate environment already, you might use a spell to land a job with good prospects of promotion, which may mean working overtime and/or going to nightschool. Or you can start your own company, and if you're serious about striking it rich, you can kiss your private life goodbye for the foreseeable future, magic or not.
Money likes to move around, and as Miller states elsewhere, it's good to study how it behaves. Having more money means having more responsibilities, more temptations to resist, more serious setbacks (and crooks) to contend with, and possibly even more worries than you already have in your present situation. Frater U.D. in his book on money magic (which I can't find at the moment) suggests invocations of Hermes - quick-witted, fleet-footed, agile, not averse to trickery. If you prefer a more sedate, comtemplative lifestyle, Hermes is not for you.