person A: Someone asked me for some money to donate to their charity and I told them no. I feel so terrible but I have such a low income that I have to think about my family.
person B: I totally understand that. Sometimes the most important charity is your own.
person A: I just feel awful and can't shake the feeling.  I work two jobs though and I have tons of medical bills but I always want to help others.  
person B: I like to think that if you get yourself right financially now_comma_ you'll be more able to help more in the future. 