“I think a lot of people, even Christians, are willing to be satisfied with gaining lots and lots of biblical knowledge - and many people go to Bible studies and don't realize it isn't enough to know what's right, it's applying the information and the knowledge that you have.”
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Earthly wisdom is doing what comes naturally. Godly wisdom is doing what the Holy Spirit compels us to do.
The difficulties we face originate from one of three sources. Some are sent to us by the Lord to test our faith, others are the result of Satan's attacks, and still others are due to our own sinful choices.
God will never direct us to be prideful, arrogant and unforgiving, immoral or slothful or full of fear. We step into these things because we are insensitive to the leadership of the Holy Spirit within us.
The Bible tells us that God will meet all our needs. He feeds the birds of the air and clothes the grass with the splendor of lilies. How much more, then, will He care for us, who are made in His image? Our only concern is to obey the heavenly Father and leave the consequences to Him.