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The Treasury of David
The Treasury of David is one of several C.H. Spurgeon books that are in the public domain. If you propose to study the Psalms, I suggest you download this as a companion for your other references.
Psalm 49
Exposition
Explanatory Notes and Quaint Sayings
Hints to the Village Preacher
TITLE. To the Chief Musician, a Psalm for the sons of Korah. This is precisely the same as on former occasions, and no remark is needed.
DIVISION. The poet-musician sings, to the accompaniment of his harp, the despicable character of those who trust in their wealth, and so he consoles the oppressed believer. The first four verses are a preface; from Ps 49:5-12 all fear of great oppressors is removed by the remembrance of their end and their folly; Ps 49:13 contains an expression of wonder at the perpetuity of folly; Ps 49:14-15 contrast the ungodly and the righteous in their future; and from Ps 49:16-20 the lesson from the whole is given in an admonitory form. Note the chorus in Ps 49:2,20, and also the two Selahs.
Verses 1-4. In these four verses, the poet-prophet calls universal humanity to listen to his didactic hymn.
Verse 3. My mouth shall speak of wisdom. Inspired and therefore lifted beyond himself, the prophet is not praising his own attainments, but extolling the divine Spirit which spoke in him. He knew that the Spirit of truth and wisdom spoke through him. He who is not sure that his matter is good has no right to ask for a hearing. And the meditation of my heart shall be of understanding. The same Spirit who made the ancient seers eloquent, also made them thoughtful. The help of the Holy Ghost was never meant to supersede the use of our own mental powers. The Holy Spirit does not make us speak as Balaam’s ass, which merely uttered sounds, but never meditated; but he first leads us to consider and reflect, and then he gives us the tongue of fire to speak with power.
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Bruce’s Bible 
Spurgeon is right, it is not either/or: “The same Spirit who made the ancient seers eloquent, also made them thoughtful. The help of the Holy Ghost was never meant to supersede the use of our own mental powers”
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