I wish I had more money. X I wish I would have more money. This one doesn't work for me- if the two subjects are the same, we generally use 'could', and here the lament is about the lack of opportunity to have more money, so 'would' doesn't work. 'Would' is used to show a refusal or stubbornness.
I wish you would buy me a ring. This is the form to use- the other person is stubbornly not buying you a ring, and you regret it.
Student or Learner