- The woman who knows deep down that an emergency savings account is the core of financial security, but when sister falls behind on the mortgage, car and credit card payments for the umpteenth time, she once again cleans out her only savings account because she can't imagine not helping.
- The woman who knows deep down that her best friend is a financial train wreck but still agrees to co-sign a car loan for her, which means she most likely will end up paying for that car even though she cannot afford to do so.
- The daughter who sends $200 a month to her parents who are totally irresponsible with money—even though that means she doesn't have the money to cover her own expenses.
- The successful entrepreneur who has worked 24 hours a day for years to secure a great retirement for herself, but not a day goes by without someone coming to her to solve their financial woes by asking for money.
- The beloved employee who kicks in $50 every time she is asked to contribute to a co-worker's wedding present, birthday party or holiday celebration even though it puts her behind in paying her own bills.
- The mother who continues to bail out her adult children from their mistakes even though she will have very little money to live on.
And they are meant to be independent, they are meant to be powerful, they are meant to be happy and they are meant to have money. And true giving to others—as well as giving to yourself—always means saying no out of love versus yes out of fear. This notion is at the very heart of having a healthy relationship with yourself, with others and with your money.