I have learned as a general rule to never give unsolicited advice. at best it comes off as condescending. at worst, they misinterpret your advice and wind up blaming you for their problems.

Not wrong. I'd characterize it as oblivious. As white people, we often incorrectly assume everyone is equipped with the same abilities as we have. For example, the ability to think abstractly. Not all people can do this. And since we've always had this ability, it's natural to assume everyone is born with this ability. However, when you look at empirical evidence, you realize... huh, there are large groups of people that can't grasp concepts we can. They have no empathy, they're unable to imagine anything intangible or even imagine real things they haven't actually seen. Math is the perfect example. Math requires abstract thinking ability. This is why niggers can't do it. It's a concept: there's nothing that manifests from it, so niggers simply can't grasp it. Sure, you can train a nigger how to use a cash register, but they will never understand how it works. Time. As white people, we understand the concept of time, but it too is a very abstract concept. This is why niggers can't plan to be somewhere on time. It must be thought of and calculated. For you, time is totally natural, you probably don't think about it consciously. I could go on, but you know where I'm going.

It's better than assuming they're incompetent. They can ask for further clarification on points of confusion.

Define wrong.

When it comes to giving advice there are two kinds of people:

The first is those that you care about and thus care about the outcome of their situation. You do not make assumptions with them, you take the time to ensure they understand your point of view, what you're advising and why, etc. This is someone you care about, why would you not want to try to be as helpful as you reasonably can?

The second are those you don't care about. I don't mean this in a mean way, just in a sense that you have no personal investment in whether it works out for them or not. Broadly speaking you should avoid giving them anything beyond general common sense advice. If you can't take the time to ensure what you're advising is helpful it could quite easily be more harmful than good even if you had best intentions. Just don't get involved.

God will not sort things out, for he is a mixer and masher of things both great and small. Perhaps you should open your heart and explain to your friend why you view them as incompetent, and why you need to tailor the advice you give them to the level of a simpleton. Let them know that if you were to offer them the advice you would give to one of your more competent friends, they would simply fuck it up. Then offer to just do the task for them, as they are incapable and not to be trusted, even in matters of their own affairs.

This is the way of Jesus, may he guide your tongue.

I give advice based on what I think a person is willing to accept.

Never assume people have the same intelligence, or common sense. Sometimes they just want to complain and aren't looking for solutions or advice.

I think giving good advice varies by person, like a know your audience type deal.

I rarely make that assumption. Just life experience. I also steer clear of offering advice unless I’m asked. I feel like I learned that being in the gym when I was a kid. Every knucklehead wanted to tell me how they think I should eat and train. NExt thing you know, I have 13 ways to do a proper squat.

Assumptiveness too often leads to setting a scene or people up for failure. Active listening and closed loop communication techniques can help assuage this.