Changing Our Circumstances vs Our Attitude and Approach

There is much we can change in our lives and much we cannot change in our lives. Which makes me think:

In which contexts is it best to literally change the external circumstances of our lives (our environment, home, abode, lifestyle) and when should we change the internal attitude we have towards these certain things?

Practical knowledge and wisdom is the key?

To cultivate our wisdom through our study of philosophy and through the time we devote to think, reflect and meditate on our lives is essential.