People tend to be overly optimistic when budgeting for a few months than for longer time periods. They tend to underestimate short-term expenses, but they are more realistic with longer-term budgets. We are likely less confident about longer periods and adjust our expenses upward to be safe. If this is true, are we able to win by being purposely pessimistic in short-term budgeting? Do you agree or disagree with the above statements? Why or why not? Support your responses with documentation from external, reliable sources.