der r many tapas n mantras 2 invoke godess laxmi,but the fact is everything rides in karma philosophy,a man wit bad karma in his previous life may receive grace frm laxmi if he asks himslef 2 b a billionaire,but the direction of karma wil finally lead 2 misfortunes lik he may die the next day n never get 2 njoy his money,he may fall in a legal trap,become handicapped.atract wicked people around him or lose it in some natural calamities which r not even in gods hand(calamities r created by the thought n livin patterns of humans).many saints lik gautam buddha,mahavir,brahmakumaris organisation attract the power of universe by just doin good karma n bein true inside n outside-a very important step 2 awaken ur sleepin kundalini.