There was once an elderly gentleman who loved playing golf. But he was almost eighty, and his vision was not very good anymore. He always had partners with him when he went out to play so they could watch his ball and tell him where it went. One day his buddies did not show up. It was a beautiful day for golf, and as he waited at the clubhouse he got more and more upset that he wasn’t going to get to play his round. Another elderly man in the clubhouse saw him and asked, “What’s wrong?” The man explained his predicament: “I was really looking forward to playing golf today. But I don’t see very well anymore, so I need someone to watch the ball after I hit.” The second man was even older than he was, but he said, “That’s no problem. I’ll be glad to ride around with you. I’ve got 20/20 vision. I can see like a hawk. You just hit the ball, and I’ll watch it fly right down the fairway.” So they went out on the first tee, and the old man hit the ball right down the center. He turned to his spotter. “Did you see it?” The man replied, “I saw it all the way until it stopped rolling.” “Well, where did it go?” The older man paused for a moment and then said, “I forgot.”

Even the best-laid plans don’t always work out-that’s a reality we all have to face every day. So how should you live when you’re not sure how things are going to turn out? Solomon says, “Don’t play it safe-take risks.” In other words, you have to live confidently. You can’t hide just because life won’t cooperate. Don’t avoid blessings because of the concerns that come with them. Don’t say, “I can’t get married. What if difficult struggles come up between me and my mate?” Or, “I can’t have children. How will I know they won’t be born with a birth defect?” Or, “I can’t start a business. What if it folds?” Or I can’t join the military. I might get deployed.”i God wants you to step out in faith and take risks. He yearns for us to stop playing it safe. In Eccl 11:1-6, Solomon will pass on two insider tips that will help us to take some risks and avoid playing it safe.

1. Diversify your investments (11:1-2).ii It may surprise you that Solomon offers financial counsel as he nears the end of Ecclesiastes. Yet, this book is down and dirty, nitty-gritty relevant to our earthly lives. Thus, in these first two verses Solomon says, “Since life is so uncertain, spread your financial investments out.” In 11:1 he writes, “Cast your bread on the surface of the waters, for you will find it after many days.” What in the world does this peculiar verse mean? Perhaps you’re like me and in your mind a number of thoughts arise. Cast your bread on the surface of the waters…and it will return to you soggy or moldy…and the seagulls will eat it…and your mother will be mad at you for playing with your food.iii These bizarre notions should cause us to ask the question, “What is Solomon’s point?” I would suggest that the word “cast”iv is better rendered “send” (NRSV).v This verb refers to the commercial enterprises of sea trade.vi Furthermore, the term “bread” refers to grain and wheat from which bread is produced.vii

Solomon was deeply involved in international trade with countless merchants.viii Then as now, one of the main trade commodities was grain. The merchants of Solomon’s day would load their grain ships and send them off. The Israelites were “casting [their] bread upon the water.” But notice that with Solomon, the word is plural: “cast your bread on the waters.” In other words, don’t put all your grain in one ship. Put your wheat in several ships, and send it out in a diversified way so that if one of the ships should sink, you’ll not be ruined.ix In others words, “Don’t put all your eggs in one basket.” Diversify your portfolio.

Instead of putting your grain in a boat and sending it off, you could keep it and make bread. That would be a safe bet since you would retain control of your grain and your bread. But that’s all you would have. Obviously, when you send grain that you own across the sea you are taking a risk. You may never see it or any return again. There are various risks like pirates, shipwrecks, and unscrupulous traders. Yet, there are also prospects of receiving back a dividend. It has been said, “A ship in harbor is safe, but that is not what ships are built for.”x The truth is, any kind of investing requires faith. Nothing ventured, nothing gained. No risk, no reward. So Solomon says, “Don’t play it safe-take risks.”

The thought of 11:1 is repeated and unfolded in 11:2. As is often done in the Scriptures, the case is first stated in a figure to grab our attention, and then a plain literal statement is given to avoid all possibility of misunderstanding. So 11:2 is a commentary on 11:1. Solomon puts it like this: “Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.” Here Solomon clearly encourages us to diversity our investments. The phrase “to seven or even to eight” is the Old Testament pattern of x + 1.xi Solomon speaks of trying every avenue there is and then adding one more. The reason for dividing your portion is “you do not know what misfortunexii may occur on the earth.” The stock market could drop, the value of your house could plummet, Social Security could run out, and Medicare may be insufficient. Any number of financial misfortunes could, and most likely will, occur. In light of this, you and I must prepare to the best of our abilities. The phrase “you do not know” is found four times in 11:2-6. This has been a common theme throughout Ecclesiastes (cf. 1:13; 3:10, 11; 8:17). God and His works and ways cannot be completely known by fallen mankind, but we can trust Him because of what we do know!

God’s expectation is that we will invest our money wisely. Perhaps all of your money has been in the bank and you are barely drawing interest. You may need to consider purchasing stocks or a rental home. You may need to enroll your kids in the GET program (Guaranteed Education Tuition).xiii Do not commit all of one’s possessions to a single venture. Look for the best means of investing the money that the Lord has entrusted to you. But don’t fall for any get-rich-quick schemes or multi-level marketing businesses. Before you know it, you’ve spent all of your money.

The biblical view comes down to this: Since God alone knows the future, we ought to make our plans, use our brains, study the situation, take all factors into consideration, seek wise counsel, do the best we can, and then leave the results to God. Don’t be reckless-that’s the path of certain ruin; but don’t sit on your hands either. Invest your money, take your chances, sleep like a baby, and let God take care of the future.xiv Don’t play it safe-take risks.

[Why should you diversify your investments? Because you don't know what will happen in the future. This reality will be especially drawn out in the following section where Solomon says...]

2. Seize your opportunities (11:3-6). In this section, Solomon says that we cannot delay our course of action. We must “seize the day”-Carpe Deim. In 11:3-5, Solomon gives observations concerning the way things are, while in 11:6 he gives the practical application-the “so what” of the passage. In 11:3 Solomon writes, “If the clouds are full, they pour out rain upon the earth; and whether a tree falls toward the south or toward the north, wherever the tree falls, there it lies.” Humans experience, but cannot predict or control, the events of their lives (a recurrent theme in Ecclesiastes). We need to distinguish between those things about which we can do nothing and those about which we can. Since we cannot stop nature’s patterns (when it rains or where a tree falls), we had better work on finding something else to do.xv The point is simple: Don’t waste your time with God’s affairs! “The earth is the Lord’s and the fullness thereof” (Ps 24:1 KJV). Let God be God; He can concern Himself with His responsibilities. When we do that, we will realize all that we have to concern ourselves with.

In 11:4 Solomon writes, “He who watches the wind will not sow and he who looks at the clouds will not reap.” This proverb criticizes those who are overly cautious. The farmer who waits for the most opportune moment to plant, when there is no wind to blow away the seed, and to reap, when there is no rain to ruin a ripe harvest, will never do anything but sit around waiting for the right moment. And so, the seed stays in the barn. Solomon exhorts us not to be like this farmer. Don’t wait for conditions to be perfect, because that will never happen. It is true that the wind and rain might come and destroy the harvest. Today’s work might be ruined and you might have to do it over again tomorrow. But that’s okay. Today’s work might succeed as well as tomorrow’s. And if so, then you will be able to reap the rewards for both. Don’t play it safe-take risks.

There is no time better than the present to step out in faith. So stop procrastinating! Be diligent constantly.xvi If we wait until we “have time” to do something we never will. The “perfect opportunity” begins now-while we still can.xvii Don’t put what God has placed in your heart off another day. There is no perfect time to have kids. We never have enough money, energy, or patience. Once you have children, don’t wait for the right time to spend time with them. Before you know it, your kids will be all grown up. If you are married, don’t wait for your husband or wife to be all that you want. Begin pouring your life into your spouse now. Don’t wait until you have spare time, more money, or better health. If you are a student, seek to accomplish all of your dreams today. Don’t settle for settled-for Christianity. If you are not currently ministering, get involved today. If we wait until we’re less busy, until we feel right, until just the right moment, we will never witness, never serve, and never see results. Don’t play it safe-take risks.

In 11:5 Solomon continues with two more analogies: “Just as you do not know the path of the wind and how bones are formed in the womb of the pregnant woman,xviii so you do not know the activity of God who makes all things.”xix Life is unpredictable and mysterious. Solomon says life is just like the wind. The wind operates sovereignly. Humankind cannot create or control it, for the wind is unseen and unknowable. We perceive its presence by its effects.xx Likewise, we cannot understand how God forms bones in the womb. This is far beyond our comprehension, so we have to take this by faith. Yet, in doing so, we adhere to the most intelligent option available to us. It is clear that the creation of the human body couldn’t have happened by itself. Scientist Fred Hoyle says this would be akin to a tornado in a junkyard taking all the pieces of metal lying there and turning them into a Boeing 747.xxi So, of course, since we cannot know God’s activities, we take it in faith that He is the one who makes all things.

There are many times when we look at things that go on in the world and we don’t have a clue as to what God is doing. But we have to trust Him because He is the one who makes and sustains all things. Too many Christians freeze because they don’t know what God wants them to do. They suffer from a paralysis of analysis. When facing a decision in their lives, they want God to tell them exactly what their choices should be. Does God have to tell you what to do? Will God tell you what to do? There is a difference between right or wrong decisions and right or left decisions. In the Bible, the will of God always refers to moral choices-decisions where one path leads to sin and the other to righteousness. For these right or wrong decisions, we can know the will of God. It’s found in the Bible. We need to pray and pursue the path of righteousness. For right or left decisions, God is under no obligation to reveal His plan to us. More than likely, He will not. That’s why in Ecclesiastes Solomon says you just have to be bold and act. Too often, Christians are looking for a no-fault deal. We try to do insider-trading with God to get some information that will show us which choice is best for us. But God doesn’t do insider-trading. He does not reveal His plan to men. In the Bible, there are men who wanted someone to tell them the future. Basically, they wanted someone to be their fortune-teller.xxii God won’t tell you your fortune; He has already told you your duty. Don’t call a 900 number to find God’s will. Don’t turn everything into a mystical decision about what you “feel” God wants you to do. If it’s a right or left decision, pray about it and then boldly follow your heart.xxiii

Our passage closes in 11:6 with the “so what:” “Sow your seed in the morning and do not be idlexxiv in the evening, for you do not know whether morning or evening sowing will succeed,xxv or whether both of them alike will be good.” Solomon issues a command: “sow your seed,” which is used metaphorically of giving (cf. 2 Cor 9:6). He wants us to have confidence and leave the results to God. The key to this passage is found in 11:6, “do not be idle.”xxvi The terms “morning” and “evening” form a merism (a figure of speech using two polar extremes to include everything in between) that connotes “from morning until evening.” The point is not that the farmer should plant at two times in the day (morning and evening), but that he should plant all day long (i.e., from morning until evening).xxvii That is what Solomon would have for us. To represent God in all that we do, with all that we have. Don’t play it safe-take risks.