There are two Lakshmis. One is very near and dear to Lord Narayana, and Her carrier is Garuda. She rides on Garuda with Narayana. The shadow of that Laksmi is the diety of wealth, and She rides on an owl carrier. Why?
It is symbolic concept. Laxmi goes on Her own mostly to bless those who aspire for wealth, money and material prosperity. The owl is the symbol of wisdom in the West but in Hindu philosophy it is the symbol of stupidity. And of course it is nocturnal creature. So, in our context we can assume that it points to foolishness and darkness.
Owls cannot see during the day. That Laksmi, on that carrier, goes to any bad person, any unqualified person, lusty person, or wicked person. She may go anywhere. And, if she will go to any qualified person, she will make him blind. He will not be able to see anything that is paramartha, that which is transcendental. Those who are very wealthy will always be blind, and that Shadow of Laksmi will take him here and there. The fact that you are worshipping wealth shows that you are fond of that owl.
Hindu philosophy firmly believes that spiritualism is the true human endeavour and the goal of life is the union with Creator. The pursuits of material gains is looked down upon as a stupid act of a person who has not seen the light of the spiritual wisdom to know that the real treasure is love for God.
However, if that wealth comes to you, you will become blind. We should always be careful about these things. Only the ignorant seek gold, gems and riches that will keep them trapped in the birth and the death cycles for ever.