Julia graduated over 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 $$1,000$ in credit card debt and makes a monthly car payment of $$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.