Thank you for your responses.

Rcat-- I am fearful in the countless instances where I probably should say no, so thank you for mentioning your questioning if the thing being asked for is needed right away. That is definitely something I will want to work on.

Gaylegg-- I believe the guilt will be very challenging to overcome, but it helps to know that such a point can be reached despite a lifetime of "giving." I am happy that you have been able to do that for yourself. Thank you.

Vonmoxie-- what a great table! Thank you. It's like someone observed me and recorded my physical and mental responses within the table. I plan to pick up a copy of this Schwartz book this weekend.