You can listen to it without studio monitors. You won't hear everything that is there, but you can hear it by other means. But like I said, not ideal. But you can hear it, and on what your target gear might just be, in terms of translates well. I used to have studio monitors and will likely have some again eventually. But what sounded great on those, didn't always sound great anywhere else. i.e. I boosted 4dB for the low end on a Tuba Christmas, and that sounded good on the monitors. But in the car all you got to hear was the car rattling.
Two years later and my current trend is to do almost the exact opposite boost, +3dB to favor the high end. Basically there is no one answer. You need good monitors to hear the annoyances, you need bad monitors to know what your stuff sounds like to everyone else on different gear. And with both you'll still likely look at the statistics for the content, to figure out what is wrong with it. Where monitors alone means all you know is that it's not right. And might be able to guess as to why. Or trial and error and error and error and ....