Julia graduated six years ago in aeronautical engineering and changed job once. Her income is more than sufficient for her needs. Julia contributes the maximum into her employer’s retirement account and additionally saves about $400 a month. She has only about $1000 in credit card debt and makes a monthly car payment of $520. With such a strong financial position, she thinks it would be a waste of time to prepare financial statements and create a budget. Offer your opinions about her thinking.