Use the word riches when you're talking about wealth, including money, treasures, and expensive belongings. Most people who buy lottery tickets dream of winning riches.
Occasionally, someone who's born into poverty will grow up to earn riches through hard work and a lot of luck — but more often, people inherit their riches from wealthy relatives. You can also use riches in a figurative way, for something bountiful or profuse: "Let's go to the farmers market and see what riches are available!" Riches was originally richesse, a singular word that was misinterpreted as being plural.