Did you ever not give money to a stranger that asked?

and then felt like a complete jerk afterward. Living near NYC, you can sometimes become somewhat cynical about people that ask you for money. I have become that cynic. And today, in a reactionary move to somebody asking for money, I turned them down. However, spending a few moments to evaluate the situation, I made a selfish decision. If I could only have a second chance to give to this person, I would be less troubled right now. This ever happen to you?