I agree. A friend of mine who always says, David I have a favor to ask you. Right a way I say, I don't have any money. I made it a habit after I retired. I have enough to pay the bills, but not enough to make loans. He used to always ask me for a loan and I used to lend it to him. He hardly ever pays back. So the habit of saying, no is pretty powerful.
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That's a really good habit--the ability to just say no. Thanks for stopping by @david777111