I agree, and overall i think pepole come to this board hoping to learn important facts and procedures. But I tend to be wary of giving advice in face to face circumstances. Not holding back on this is part of why I am now single. My former wife had education spending plans that conflicted with what I thought were sensible ways for middle aged people to spend, given that I was the only real earner and was now retired. Since i have always understood that when you are married you are a unit financially, we crapped out on marriage as I would not fold.
I am not sure I ever gave any advice to my sons, once they were 15 or 16. I never listened to my father, even though he was quite frequently correct. I decided I would for the most part rather be liked than helpful, in the advice sense of helpfulness.
I remember a situation with a brother who was 11 years younger than I. I was home on a visit, and he was driving me somewhere. I noticed that he was riding the clutch on the Camaro. it was my parents' car, and I told him that when he drove that way, the clutch never completely engaged, thus causing some slip and premature wear. He didn’t argue, but much later he told me how strongly he disliked my butting in.
Danger is a different category. My ex's uncle pointed out that something I was doing with an old farm tractor was very unsafe, and that it could cause he tractor to "climb the gears"(differential) and flip over and kill me. I was embarrassed, but definitely glad he told me as I was inexperienced and had no idea of this.
Ha