[nlawalker]

I've always thought that the more important and interesting choice to ruminate about in this vein is "I don't have time."

You do have time, it's just that you're filling it with something else you find more important. Every time I tell someone "I don't have time" I try to envision myself telling them "I have more important things to do with my time" instead. It's usually an unnecessarily harsh thing to say out loud, which is why I typically don't vocalize it, but it's an interesting thought exercise that can help to keep you honest about your priorities and visualize the perspectives of other people that come asking for your time.

Also, just like there are people that really can't afford certain things, there are some justifications that I think most people would consider perfectly reasonable for really, actually not having time. But in many cases, both time and money are choices.