There was a certain man—without a dependent, having neither a child nor a brother, yet there was no end to all his labor. Indeed, his eyes were not satisfied with riches and he never asked, “For whom do I labor and deprive myself of pleasure?” This too is vanity (a wisp of smoke, self-conceit); yes, it is a painful effort and an unhappy task.

There is a grievous evil which I have seen under the sun: riches being kept and hoarded by their owner to his own misery.

For when those riches are lost in bad investments and he becomes the father of a son, then there is nothing in his hand [for the support of the child].

Also, every man to whom God has given riches and possessions, He has also given the power and ability to enjoy them and to receive [this as] his [allotted] portion and to rejoice in his labor—this is the gift of God [to him].

a man to whom God has given riches and wealth and honor, so that he lacks nothing of all that he desires, yet God has not given him the power or capacity to enjoy them [all those things which are gifts from God], but a stranger [in whom he has no interest succeeds him and] enjoys them. This is vanity and it is a [cause of] great distress.

I again saw under the sun that the race is not to the swift and the battle is not to the strong, and neither is bread to the wise nor riches to those of intelligence and understanding nor favor to men of ability; but time and chance overtake them all.