 They're vulnerable, and you turning them down is going to hurt. Wendy De La Rosa had to have a no conversation with an extended family member. And it was painful. I'm not going to lie and say that everything was hunky-dory the next day. Like, they're in a tough financial situation. But I gave them my time. She helped them map out their debts, set up spreadsheets, and figure out an action plan to get out of the hole.