Wisdom is the principal thing; therefore get wisdom: and with all thy getting get understanding. Proverbs 4:7 KJV
Knowledge is available through study and experience. Understanding comes by revelation of the Holy Spirit.
For the Lord giveth wisdom: out of his mouth cometh knowledge and understanding. Proverbs 2:6 KJV
The what to do, how to handle, and what to say, along with the timing, only comes with wisdom.
Wisdom only comes from Him who is Wisdom.
But of him are ye in Christ Jesus, who of God is made unto us wisdom, and righteousness, and sanctification, and redemption: 1 Corinthians 1:30 KJV
Wisdom is readily available when you ask God for it.
If any of you lack wisdom, let him ask of God, that giveth to all men liberally, and upbraideth not; and it shall be given him. James 1:5 KJV
Supernatural help is available. Be sure to appropriate it. Life will go much smoother and be much more productive.