Ephesians 5:17 does not say "Wise up and stop being stupid."

Ephesians 5:17 does not say "Wise up and stop being stupid." It says "Therefore do not be foolish, but understand what the will of the Lord is."  The word "therefore" points back to earlier in the letter, to salvation by grace alone, through faith alone.  Therefore, understand God's will for you.  What is God's will for you?  That you do the good works that he has prepared for you beforehand.  These works are found in Ephesians 4-5-6, and they are gospel-centered.  They are about loving your neighbor as yourself.  The neighbors that God has given you (spouse, children, friends, family, community). They are not about finances!