In our country, materialism and spirituality are not in conflict with each other. Lakshmi – the symbol of material prosperity - is portrayed pressing the feet of Narayana - the symbol of spirituality.
We always say Laxmi Narayana, which refers to the combination of wealth and spirit. There is no need of saying materialism is bad and leaving that you want to go towards spirituality.
What I say is “keep money in your pocket and not in your heart or head.” When the money is wrongly placed, that is when the problem arises. Ancient sages honoured money as a part of the Divine and transcended the grip of its illusion. They honoured wealth as Goddess Lakshmi who is born out of Yoga that transforms bad karma, brings out latent skills, the ashta siddhis (eight perfections) and nava nidhis (nine types of wealth).
If you have a financial problem, you have to take action. It is not good to simply sit and wait for money to come from somewhere or run to an astrologer. You have to take alternative precautions.
Take whatever job is available and move on. You should have positive thinking and attention and then move ahead. In Sanskrit, there is a saying, “One who puts effort, who is industrious, and courageous, towards such a one, the wealth runs.” So, Lakshmi (Goddess of wealth) goes to him, who is putting effort.
Goddess Lakshmi sits on a lotus flower in water, symbolising that wealth is unstable. Your real wealth is your inner strength. You may have lots of money, but if your mind is fearful and small, then what is the point? And the most important point is the faith in the highest self --- the faith that I am going to get whatever I need and whenever I need. Then you give miracles a chance. Bank your faith on the divinity and the power of your own sankalpa (positive intenstion) and thoughts. All that we need is to have a heart to do something. Then Nature and God will help you.