If there is a spell capable of breaking down things into its basic raw elements, that would be it.

Garbage is abundant, as well as junk.

Imagine deconstructing anything back to its basic elements and then sell it. A gigantic pile of mixed junk instantly deconstructed and turned into ingots of pure metals, carbon, and other elements.

Plan 1: Raulothim’s Psychic Lance. By the time I get to take that spell, I must have had at least one ASI so I’ll just take metamagic adept for subtle spell. I just have to know the name of the target and be within 120 feet of them (240 if the second metamagic option I take is distant spell), and it’s pretty close to a guaranteed kill vs. a commoner, no murder weapon, and nothing showing that I was there.

Plan 2: Clone. Claim that it’s some revolutionary stem cell rejuvenation therapy and sell it to the super-rich. (Though I might make it fail accidentally if it’s someone like Murdoch or Kissinger. Payment in advance, no guarantees, and I’ll do it on international waters.)

Teleport from children’s hospital to children’s hospital casting heal.

DM says no

Fine raise the dead.

True Polymorph is the easiest if we just wanna accrue wealth quickly

Buy some live feeder mice (a small animal that doesn’t involve killing someone’s pet) and transform them into jewelry. True Polymorph has none of the restrictions of Fabricate, so we can create fine jewelry without skill. Turn a mouse into a gold ring or necklace, with a large gemstone embedded into it. Sell it at a pawn shop. Repeat, use different pawn shops, and use Dominate Person with Modify Memory afterwards if theres some law about needing an ID. The dominated person can use theirs, and then you remove the interaction from their memories.

Sell fine jewelry made from mice all you want. Use that cash to buy cows or other massive animals, turn them into gold. We don’t have to worry about how to pass the gold off though, the goal was to accumulate wealth. Use Fabricate to make the cow-gold into rough coins, build a secret dragon’s den.

Of course, if we’re willing to be a little less subtle, True Polymorph is also great for doing some light faith healing, restoring blindness due to injury by transforming them into another person that’s basically identical, or we could make people look like their ideal selves. Not in the bounds of the question though.

Mending, open a phone repair business. People would just think I’m really good at my job!

Also: Borrowed Knowledge + Fabricate

Suggestion. And then go to Wall Street :)

Not very experienced, but I’d probably True Polymorph dirt/Steve Huffman into some gold and sell it.

Foresight and gambling

1. Learn charm

2. Use it to get hired as the pastor of a megachurch

3. Use it on the congregation

Wish is an easy one, since it can be used to cast most of the other spells talked about here

Clone, immortality without any of the normal downsides (I can choose to die still and don’t need souls or any bs like that)

Identify and go pawn shop hunting and the like

Really most divination spells would be solid for stock market manipulation

Enchantment spells for manipulating the corporate ladder, or getting into politics or something (mass suggestion in the really any political nexus, geus for more targeted things, modify memory, etc).

Healing and revivification spells and sell my services to the elite, bring back the dead, speak to loved ones, etc. Clone works well here too, especially since it has age manipulation.

Not the richest fastest but probably nice and discreet: electronics repair shop using mending.

Lawful Good:

Foresight to convince the smart, powerful people that they’re making bad decisions, influence them to make better decisions for the world, only use it for enough personal gain to sustain a decent living.

Neutral Good:

Mass Suggestion Convince the dumb powerful people I’m a divine being and they better do as I say, use this power to force positive change amongst the easiest to control masses. Collection plates at churches now go to me.

Chaotic Good:

Gate, Use teleportation to extort billionaires by witnessing their depravity and threatening them with exposure, also portal tech. become Rick Sanchez. Rob swiss banks for fun and profit.

Lawful Evil:

Meteor Swarm: Hold cities hostage for ransom.

Chaotic Evil:

True Polymorph: I’m going to start turning politicians into lizards. For cash I’ll turn random shit into itself but but made out of a different material and auction if off, passing myself off as a great artist of incredible talent.

Edit because I forgot about the money half way through.

You could get some great use out of fabricate and proficiency in something related to computer architecture.

Legend Lore could equally grant you valuable knowledge to sell, and similarly half the divination spells could make you a very successful gambler.

Astral Projection head to America set up an evangelic church

Mage hand and offer ghost handjobs for $1000 per person per handjob