It's nice to have friends who turn to you for support, and knowing you can do the same.
But when someone texts out of the blue and goes "hey got any good stock tips"
I genuinely don't know how to respond...
How do you nicely say: I am not an expert or a professional, I do not know anything about your finances or your goals, and I do not want even a whiff of responsibility for them. I love talking about the markets which is probably why I occasionally get this kind of text, but in my experience nobody who's really open to learning about investing texts you out of the blue expecting you to have a 'sure thing stock' locked and loaded for them.
C'mon man