As far as spells go just find one that sounds good and run with it. There really is no such thing as a bad spell, just a bad execution of a spell.
As far as how long to wait that depends on a few factors the biggest IMO is what options you have available to make money and how much you should aim for. If you work at some retail outlet trying to manifest a way 160k will fall in your lap is much more of a stretch than if you were a contractor. I usually give it a month before trying again.
Also one of the biggest factors is to stop obsessing over the situation. I know its difficult but the more you worry and stress it the more of a reality it will become. Find something you enjoy, hopefully you’ve got some cheaper hobbies and delve into them. Even if your hobby is magic, work be eficial spells to others to keep positive energy flowing to you and keep the money work for yourself to mininmum. The more pleasure and happiness your able to bring into your life the faster you’ll see money concerns dry up. That doesn’t mean you’ll be rich but it means you’ll have enough so long as your not trying to charter private jets while working the night shift at Waffle House.