I think excess guilt may be a woman's domain. When I retired I was eaten up with it. I felt guilt for not getting up at 6:30, not putting in an 8 hour day doing something, reading and relaxing during the day, shopping when the stores are uncrowded, etc, etc. The list went on forever. I used to literally tell myself out loud that I worked long and hard and deserved a rest. It tool awhile until I could believe myself. After years of problems (financial, family health, etc) I now find myself without any problems and with nothing to complain about, Unless I am careful I can REALLY feel guilty about life being easy and good at the moment, My hubby thinks this is the craziest thing he's ever heard - one reason it is nice you ladies are here as I am sure someone has had the same experience!