For example, if a friend suggests, "Let's invest together this time," I know in my head that it's a truly irrational choice. The plan is flawed, and it's a stretch for my finances. Yet, I find myself saying, "Okay, let's do it." And it's not just about investing. I'm always at a loss for words when faced with requests that are difficult to refuse, like, "Let's start a group together," or, "Let's exercise early tomorrow." I'm terrified that even a slight "Sorry, I'll think about that" will disappoint or disapprove of me. Because of this avoidance of rejection and conflict, I constantly find myself spending money and time on things I don't want to do.