Polymorph Any Object.
Day one, Self to Lizardfolk. (Same Kingdom, same size, same or lower intelligence, duration = permanant)
Day two, scaly new reptilian subtype self to Wyrmling Gold Dragon. (Same Kingdom, same size, same class, duration = permanant)
Day three, Wyrmling to older Gold Dragon. (Same Kingdom, same class, related, duration = permanant)
As Great Wyrm Gold Dragon, live a long, long, long life, breathe fire at those who annoy me, and use Polymorph Any Object 1/day to create endless amounts of any mundane stuff I want (or turn friends into disguisable super-powered critters, such as Dopplegangers or Ogre Magi (just nothing nearly as cool as a Gold Dragon! Back off, there can be only one!)).
Feeling Neutral Good today? Go somewhere where people lack basic goods, like nutritious food, clean water, anti-malarial drugs, etc. and make lots. Feeling Chaotic Evil? Turn Donald Trump's house into an enormous pile of turnips.