Ecclesiastes 9:11

"I have seen something else under the sun: The race is not to the swift or the battle to the strong, nor does food come to the wise or wealth to the brilliant or favor to the learned; but time and chance happen to them all." NIV translation

Next, Solomon tells us of those who put their hope in luck or chance.

In our world today it seems like everywhere you look there is a lottery or gambling and people with the "hope" of striking it rich. Many times they do win but it is only temporary as they tend to spend it foolishly and it goes quickly. 

Ecclesiastes 9:12

"Moreover, no man knows when his hour will come: As fish are caught in a cruel net, or birds are taken in a snare, so men are trapped by evil times that fall unexpectedly upon them." NIV translation

When you start thinking that life is just like a giant game of chance, then, you get to the point of living like today is your last day. That may sound good and it actually could be if you served Christ like He was coming back today. But, that is not what Solomon is speaking about. He is talking about people without Christ living it up like there is no tomorrow and no eternity to answer for our actions.