(11) Wisdom is good with an inheritance,
And profitable to those who see the sun.
(12) For wisdom is a defense as money is a defense,
But the excellence of knowledge is that wisdom gives life to those who have it.
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A major lesson from Ecclesiastes is that the wisdom Solomon is promoting is indeed sagacity, but a narrow, intensely practical, spiritual sagacity. We have a tendency to think of wisdom as a quality possessed by those of higher educational levels, that is, it belongs to people who have achieved multiple university degrees, written some books, and sport a string of distinguishing letters after their names.
That distinction may suggest itself, but Solomon has something else in mind. Though such people may have rightly earned respect from their fellows, Solomon is concerned about day-to-day living regardless of who one is or what his station in life is. This implies that a measure of biblical wisdom is achievable by anybody whom God calls. Why? The source of this wisdom is God, who gives it as a gift to those who have a relationship with Him. Here we find the most useful applications of the wisdom of Ecclesiastes. Though helpful to anyone, it is primarily intended for those already in a relationship with God.
The term sagacity, which entered English from Latin through French, suggests “quickness of perception,” “soundness in judgment,” and “farsightedness.” It pictures a mind that can cut through a situation's unimportant fluff or misdirecting false flags to grasp the essentials of a problem's solution. This is important for a Christian because Satan has filled the world with his clever deceptions.
A Christian must understand that the wise solution in life is always to submit humbly to God in faith. We are to do this despite the twisted reasoning the Devil can inject into our minds from a multitude of experiences in this Satan-devised, worldly system.
In the previous chapters, Solomon gives us real-life examples of circumstances that arise in the world that present us with sometimes-difficult choices. To our carnality, the foolish choice may often appear more attractive on the surface, but Solomon has been showing us in bold strokes what godly wisdom is and is not. He always makes clear what is and is not wise, and he does this most clearly in those chapters in which he makes direct comparisons: “This is better than that.” However, what may not appear at first glance is why this is better than that. Godly wisdom does not always initially appear to be the wiser, practical way, but it is always wiser despite common human opinion.
— John W. Ritenbaugh