Wisdom isn't merely knowledge/understanding and applying it. Having an answer or opinion for everything. True wisdom acknowledges it doesn't always know and is openly teachable. It can say "I don't know".
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Wisdom comes when we are blessed with a good brain, and we know how to use it, because we've been taught how to really THINK and examine new ideas from all sides.
Wisdom comes when we can float up above a new idea, and see its past and its future and try to decide if the future is good for our survival.
Wisdom also comes from experience, from an awesome non-biased education, and from sincere prayer.