[10] Whoever loves money never has enough; whoever loves wealth is never satisfied with their income. This too is meaningless. [11] As goods increase, so do those who consume them. And what benefit are they to the owners except to feast their eyes on them? [12] The sleep of a laborer is sweet, whether they eat little or much, but as for the rich, their abundance permits them no sleep. [13] I have seen a grievous evil under the sun: wealth hoarded to the harm of its owners, [14] or wealth lost through some misfortune, so that when they have children there is nothing left for them to inherit. [15] Everyone comes naked from their mother’s womb, and as everyone comes, so they depart. They take nothing from their toil that they can carry in their hands. [16] This too is a grievous evil: As everyone comes, so they depart, and what do they gain, since they toil for the wind? [17] All their days they eat in darkness, with great frustration, affliction and anger. [18] This is what I have observed to be good: that it is appropriate for a person to eat, to drink and to find satisfaction in their toilsome labor under the sun during the few days of life God has given them—for this is their lot. [19] Moreover, when God gives someone wealth and possessions, and the ability to enjoy them, to accept their lot and be happy in their toil—this is a gift of God. [20] They seldom reflect on the days of their life, because God keeps them occupied with gladness of heart.