sechel

Practical judgement and the ability to think clearly so as to make good decisions. Someone acting with "Sechel" means they have street smarts, can sum up calculated risks, and anticipated consequences, while also being thoughtful and caring. So it's the whole enchilada in the decision-making process. The term comes from Yiddish and originates in the Bible (1 Samuel 25:3 describes a woman with good judgement).

You have innate talent, but without sechel, you're not going to make the right decision.
Use some sechel: don't bring all this stuff with you!
It doesn't take much sechel to know that you shouldn't leave your wallet lying around.