Article 15. Whether prudence is in us by nature?
The Philosopher says (Ethic. ii, 1) that "intellectual virtue is both originated and fostered by teaching; it therefore demands experience and time." Now prudence is an intellectual virtue, as stated above (Article 4). Therefore prudence is in us, not by nature, but by teaching and experience.
On the other hand, as regards the knowledge of particulars which are the matter of action, we must make a further distinction, because this matter of action is either an end or the means to an end. Now the right ends of human life are fixed; wherefore there can be a natural inclination in respect of these ends; thus it has been stated above (I-II, 51, 1; I-II, 63, 1) that some, from a natural inclination, have certain virtues whereby they are inclined to right ends; and consequently they also have naturally a right judgment about such like ends.
But the means to the end, in human concerns, far from being fixed, are of manifold variety according to the variety of persons and affairs. Wherefore since the inclination of nature is ever to something fixed, the knowledge of those means cannot be in man naturally, although, by reason of his natural disposition, one man has a greater aptitude than another in discerning them, just as it happens with regard to the conclusions of speculative sciences. Since then prudence is not about the ends, but about the means, as stated above (6; I-II, 57, 5), it follows that prudence is not from nature.
http://www.newadvent.org/summa/3047.htm#article15
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