Commander Tansin A. Darcos wrote:

So don't say you have no problems. Sooner or later something is going to happen (probably outside of basic needs), that creates a crisis requiring a solution, or an unpleasant failure, that you decide you can or must solve, and you determine that allocating resources to it will do so. You pay the cost, this eliminates the problem (or in some cases, prevents it) and you move on. But saying you have no problems and won't have any (for as long as a year) is wishful thinking.