New International Version (NIV)
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.