Not sure I agree with all of it (the bit about culture), and it could use some serious editing, but this is a good article.

"Formulas are not usually successful, but they are a great deal more rhetorically impressive than wisdom, which is what God requires of us (Prov. 4:7). Wisdom requires knowing God; knowing his revelation in Jesus Christ, in creation, and in his Word, the Bible; knowing your divinely given personality and its strengths and weaknesses; knowing your spouse; knowing your children, knowing the particular culture in which you live."