If it is needed, you have to use evaluation, but if you don't need it, that's no problem, but if you feel that your knowledge is getting longer, it won't make you profitable. In my opinion, evaluation is needed because after all, if you don't evaluate, what will happen later is that you will continue to repeat it. the same mistake, therefore you have to have the courage to change a situation like this so that you don't lose more money and this should be able to make you focus on studying well.