For example, when a friend suggests "let's invest together this time," I know intellectually that it's a really irrational choice. That the plan is shaky and it's beyond my financial means. But still, I find myself answering "okay, let's do it." It's not just about investments. When asked to start a group together, to do early morning workouts starting tomorrow... facing these hard-to-refuse requests, my mouth just won't open. I'm so terrified that if I say even slightly "sorry, let me think about that," the other person will be disappointed in me or dislike me. Because of this avoidance of rejection and conflict, I'm constantly pouring my money and time into things I don't want to do.