The 'it probably won't happen to me' attitude is the most dangerous of all...
What is financial planning?
Definition from Investopia: "A financial plan is a comprehensive evaluation of a person's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans."
Just because you think you have everything you need at this moment, it doesn't mean it will be the same case in the future. When the unexpected strikes, it is a blessing to be well enough prepared to battle the consequences.