Studio Arcanis

I was hoping to get some opinions. After reading through many occult message boards, a lot of people say that black magick is based around fulfilling egotistical desires and white magick is based on improving your own character and helping humanity. Does this mean that any magick used to improve your life is black magick? If I use creative visualization to get a better job because my job sucks and I want to make more money, is that black magick? I realize some people also use the term "gray magick" (ala Modern Magick) to describe magick that is neutral and isn't meant to hurt people but is goal orientated. What sets them apart to you?