Here is ¹  a misfortune ²  on earth ³  that I have seen: Wealth hoarded by its owner to his own misery.

Then that wealth was lost through bad luck; ¹  although he fathered a son, he has nothing left to give him. ² 

To every man whom God has given wealth, and possessions, he has also given him the ability ¹  to eat from them, to receive his reward and to find enjoyment in his toil; these things ²  are the gift of God.

God gives a man riches, property, and wealth so that he lacks nothing that his heart ¹  desires, ²  yet God does not enable ³  him to enjoy ⁴  the fruit of his labor ⁵  – instead, someone else ⁶  enjoys ⁷  it! ⁸  This is fruitless and a grave misfortune. ⁹ 

Again, ¹  I observed this on the earth: ²  the race is not always ³  won by the swiftest, the battle is not always won by the strongest; prosperity ⁴  does not always belong to those who are the wisest, wealth does not always belong to those who are the most discerning, nor does success ⁵  always come to those with the most knowledge – for time and chance may overcome ⁶  them all.

A man who is all alone with no companion, ¹  he has no children nor siblings; ²  yet there is no end to all his toil, and he ³  is never satisfied with riches. He laments, ⁴  “For whom am I toiling and depriving myself ⁵  of pleasure?” ⁶  This also is futile and a burdensome task! ⁷