Rashi: An Atzel who constantly is Nochel Ru'ach (lazy) and does not exert in Torah or work, in the end he troubles his household; they lack what to eat.

R. Yonah #1: A miser troubles his household and afflicts them. He also refrains from hiring someone to teach to them Torah and a trade, or to give to them money to acquire Chachmah and provide their sustenance so they can engage in it. His portion from all his toil and wealth is Ru'ach; he toiled in vain. Yinchal it is an expression of portion, like "v'Nachalas Aritzim" (Iyov 27:13), v'Zos Nachalas Avdei Hashem v'Tzidkasam me'Iti" (Yeshayah 54:17).

R. Yonah #2: Yinchal is [Po'el] Yotzei (it acts on others; he causes them to be Nochel Ru'ach), like "v'Nachal Hashem Es Yehudah Chelko" (Zecharyah 2:16), "u'Nchaltanu" (Shemos 34:9). There is no gain from his wealth and toil to bequeath to his sons, for he makes them inherit Ru'ach - they will be lowly, weak and empty of Chachmah.

Malbim: He destroys the order of his house and his Kelim. He spends more than his ability, and does not leave an inheritance - "Bayis va'Hon Nachalas Avos" (19:14).

Malbim (according to the metaphor): This refers to the metaphorical house - the Nefesh's abode - "b'Chachmah Yibaneh Bayis uvi'Svunah Yiskonan; uv'Da'as Chadarim Yimal'u Kol Hon Yakar v'Na'im" (24:3-4). The laws of Chachmah that he gathered in his Nefesh, how to conduct with all his Midos and ways of the Nefesh for good and bad, this is building the house. Just like one who builds a house gathers wood and rocks and arranges them, so he gathers the laws of Chachmah, uses Tevunah to understand them and derive a matter amidst another matter, and completes the building. When he knows everything clearly - both Midos and Divine concepts - the house of his Nefesh has nice, dear Kelim - "u'Chli Yakar Sifsei Da'as" (20:15). The Rasha is unsure about the laws of Chachmah and argues with them. All the more so he lacks Binah and Da'as! He troubles his house - "uvi'Svu'as Rasha Nekares" (15:6). He inherits Ru'ach, and loses this dear wealth and Klei ha'Nefesh. In place of them is Hevel and a stormy Ru'ach that puts images of desire on the heart and uproots it from its place.

R. Yonah: This is taught here, to reveal why "Ocher Beiso Yinchal Ru'ach." The wealth that he leaves for them will not help them, since they are Evilim and empty of Chachmah. Their father did not engage in their success, and teaching to them Chachmah and Musar. An Evvil, even if he has wealth, is a slave of a Chacham Lev. If in his lifetime he engaged in their success and learning, and bequeathed to them Chachmah and Musar, this is better than all money he leaves to them. Then, Evilim would be their slaves, instead of them being slaves of a Chacham Lev.

Malbim: Chacham Lev is one that the power that rules in his Nefesh, it is according to the images of Chachmah and its laws; it does not veer from them. He filled his house with all nice, dear Kelim. The Evvil is the opposite. He is unsure about the laws of Chachmah and argues with them. He is poor in Da'as, and proper to be a slave to a Chacham Lev, like an Ani serves an Ashir.