If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him.Much of the book of James does not require much explanation. He writes in such a straight-forward style. I like to read through a verse, then try to re-word it in a way that it is easier to understand, but with this verse, the meaning is plain.
This plain meaning leaves a person facing the real issues, which is what James wants anyway. The real issues have nothing to do with what kind of Biblical scholar you are, or what a wonderful theologian you have become. The real issue has to do with what you are going to do about what you just read. We all lack wisdom, so when you encounter a verse like this, you should be moved to do something.
Ask for wisdom today. You need wisdom, and God gives wisdom generously. He also gives this wisdom to whoever asks, there is nothing you have done that will prohibit the asking of wisdom. If you turn away from whatever sins are in your life, and turn to Jesus, you will be granted great wisdom.