We explored how individuals’ mental representations of complex and uncertain situations impact their ability to reason wisely. To this end, we introduce situated methods to capture abstract and concrete mental representations and the switching between them when reflecting on social challenges. Using these methods, we evaluated the alignment of abstractness and concreteness with four integral facets of wisdom: intellectual humility, open-mindedness, perspective-taking, and compromise-seeking. Data from North American and UK participants ( N = 1,151) revealed that both abstract and concrete construals significantly contribute to wise reasoning, even when controlling for a host of relevant covariates and potential response bias. Natural language processing of unstructured texts among high (top 25%) and low (bottom 25%) wisdom participants corroborated these results: semantic networks of the high wisdom group reveal greater use of both abstract and concrete themes compared to the low wisdom group. Finally, employing a repeated strategy-choice method as an additional measure, our findings demonstrated that individuals who showed a greater balance and switching between these construal types exhibited higher wisdom. Our findings advance understanding of individual differences in mental representations and how construals shape reasoning across contexts in everyday life.