Hilltopper, be aware that if you are saying "no" to something that is an emotional need for your wife, you will be missing an important opportunity to deposit love units.

The best thing to do in such a case is to find a way in which you can be enthusiastic about meeting the need. The classic example given here has the genders reversed: a typical man has an emotional need for sexual fulfillment while many women don't want to fulfill their husband's need. In such a situation, they have to work together to find a way in which she will be enthusiastic about meeting her need.

If at all possible, don't just say "no," say "I have a problem with that, but I want to find an alternative that will make us both happy."

The most important thing you can do right now is to focus on making massive love bank deposits every day (and not making any withdrawals, of course).

Also, make sure your "no," if you have to say one, is "no, I don't want to do that," and not "no, I want to do this, and we agreed to do this, and we're doing it anyway." Review the POJA: never do anything without an enthusiastic agreement between you and your spouse. If you are planning to do something and discover your wife is reluctant, don't do it!