Goddess Lakshmi and Goddess Saraswati are different aspects of universal mother.
Lakshmi : Sri Lakshmi means born with an objective to serve Narayan (goodness).
Lakshmi never eternally stays with a wicked , cruel , corrupt person.
A morally corrupt person shall have Lakshmi till end of his / her previous Punya Karma (good deeds).
But, Lakshmi never truly blesses wicked.
Saraswati : Saraswati means one , who possesses wisdom.
She always stays with one who is morally or ethically good.
Saraswati gradually turns her devotees prosperous.
Saraswati never stays with anyone; who is morally corrupt and arrogant.
Facts: Goddess Saraswati and Sri Lakshmi stays with Nar Narayan (a good soul)
They partially stay with a wicked person because of his / her previous Punya Karma.
One may find good souls blessed with Goddess Saraswati (wisdom) and Goddess Lakshmi (wealth)
Prayer : Sri Ganeshaya Namah Jai Sri Vaghdevi Sri Ram Jai Ram Jai Jai Ram Jai Lakshmi Narayan Namo Parvatipataye Har Har Mahadev Jai Jai Jai Hanuman Gosai Kripa Karo Gurudev Ki Nai
Pic Credits : Google Images / Web