Most people don't realize how fragile their financial situation is.
That is until a "surprise" major expense occurs, or someone dies, or they get laid off or fired. Even worst, most people will feel the pain if they miss a paycheck or even after missing hours. In such times we also find out how fragile our faith is, or isn't.
This can be realized best if you get a financial plan done, even better when it was done for free? (But who does that right?)
It's a simple biblical principle of judging yourself first before God has to open your eyes through a life situation. We never know the challenges we will personally face, but we do have ways of buffering harsh times. So get a plan done so you can literally SEE IN THE DARK.
Think 2 Corinthians 13:5a - examining ourselves spiritually involves the things we do on this earth, and why we do them.