In this step, you will learn to wield the most potent of weapons: the art of saying "no" without saying "no". It's a skill that will make you rich, or at least slightly less poor.
Substep 3.1: Learn to say "no" with a straight face
Substep 3.2: Practice your "no"s in front of a mirror
Substep 3.3: Develop a witty retort for every occasion