Some people (like me) prefer to hold off on progressing if given the option so they may research as much as they can and build up an emergency bankroll to avoid getting caught with their pants down upon entry to the next stage.
However I'd say the default assumption is that such precautionary measures are optional. If they aren't, then the game should warn you to prepare yourself well before triggering the progression.
Thank you for the heads up though, it's good to know what to expect.
