Solomon is comparing two powers that offer their possessors the ability to defend themselves against many of the vicissitudes of life. On the one hand is money and on the other, wisdom. Money can help one avoid and even preserve a person from many of life's difficulties. Wisdom, however, can give him something no amount of money can—life. Wisdom produces things material possessions cannot because it is insurance against willful self-destruction, whether physical or spiritual.
Consider in verse 13 literally means "to see." It counsels us to understand that some situations cannot be rectified. No amount of money or wisdom will prevent them from occurring. We can do nothing about them because circumstances are beyond our powers, and we should not fret overmuch about them. An obvious example is the impossibility of a person being able to stop wars, floods, riots, or a hurricane. Each of these can bring devastation and a great deal of personal pain that may be entirely unavoidable. All one can do in such a case is to deal with the aftereffects as wisely as possible.
Verse 14 carries on the thought, counseling us that good and bad times occur in everybody's life. There will be situations that are seemingly unjust, such as the righteous seeming not to be prospered, becoming diseased and dying young, while the evil are prospered with wealth, good health, and long, comfortable lives. These things occur in every culture on earth. We are to consider—to see—that God overrules all and is well aware of what is happening. He may even be directly involved in causing the kinds of circumstances that upset our sense of fairness (Isaiah 45:7). We must never allow our thoughts to wander from the reality of the depths of God's involvement in governing His creation.
The passage concludes by drawing our attention to the future. It is beyond our abilities to know precisely what is going to happen. How long will our present trial last? Will we be drawn into another? Are we pleasing God? Will we be prospered to a greater level? When will Christ come? Solomon is not saying we should not think about the future, but that we will never know precisely what is coming. Thus, we should not be overly concerned about it. We must live our belief that God is on His throne, which allows us to be emotionally stable.
Solomon does not begin to give an answer to the thought he is posing until verses 18-19, and even then, it is a very brief answer: "It is good that you grasp this, and also not remove your hand from the other; for he who fears God will escape them all. Wisdom strengthens the wise more than ten rulers of the city." The combination of the fear of God and wisdom, which is the fruit of vision, appear together as a solution.
Because the circumstances he posed will affect all, Solomon's advice is to keep on following wisdom. This is a precursor to the climax of the book where he says, "Let us hear the conclusion of the whole matter: Fear God and keep His commandments, for this is the whole duty of man. For God will bring every work into judgment, including every secret thing, whether it is good or whether it is evil" (Ecclesiastes 12:13-14). It also foreshadows Romans 8:28, where Paul writes, "And we know that all things work together for good to those who love God, to those who are the called according to His purpose."
In his terse statements, Solomon is saying, "Keep on following the revelation of God, for this is wisdom. The vision of His overall purpose is wisdom. It is an unerring guide through good and bad times. Always consider—see, discern—that an unseen Hand is involved in events, even those of our seemingly insignificant lives."