Sure you do, it would just help if you had some idea what you were talking about, rather than pulling opinions out of thin air.
I do not recall ever hearing that you are an accounting expert or a financial advisor of any sort.
I do have a minor in business, which makes my financial background rather elementary - but does give me a very basic knowledge - which is better than none.
Also spent about 15 years in the corporate world, and have a little more experience in the adult world (sorry, but it's true) than some people here.