James says, “Come now, you who say, ‘Today or tomorrow we will go into such and such a town and spend a year there and trade and make a profit…’” This way of talking is problematic for James, but it is not ultimately the problem. This way of talking is more like a symptom of the real problem. He explains the real problem further down in verse 16. James calls this kind of talk about tomorrow boasting and he says that this boasting is evil because it is rooted in arrogance and that’s the real problem.