I have been in the situtation in which I will not post because I do not want to potentially offend the OP. How do you guys deal with this? 
@pipeguy wrote:I generally tell the truth - opinion or otherwise. This can sometimes come off as sarcastic or "snarky" and some/many times I'll preference my remarks with "this may sound harsh/snarky but.... ".
There is a fine line, especially using text which typically fails to show inflection, between being honest in one's advice or opinion and being sarcastic or judgemental. If you can draw from your own experience and offer advice, even where things did not turn out as well as you expected, that helps too.
As an example, over the last 45+ years, I have spent well over $1,000,000 (million) on cars/trucks/boats/bikes - when I see the 20-something car fans asking "advice" which is usually more validation than seeking advice, looking to buy expensive or exotic vehicles with high payments going toward a depreciable asset, I will at times offer a warning - rarely heeded, but offered with experience having "wasted" a LOT of money on "toys" over my lifetime.
Just look at your post as if someone was advising you and how you would react - it's not that hard to be kind even offering an opinion or advice counter to what someone may want to hear.
I totally agree with everything you said, pipeguy!
There is nothing wrong with being honest if you'd it'll help the OP.
I guess I am just too sensative (and I am a 43-year-old. woman...). To be honest with you, I have actually not posted for 3 days because a poster said something I thought was snarky to me, even though, when I thought it about extensively, I concluded that I was overreacting and that I needed to distinguish between constructive criticism and snarkiness in posts.
Sorry for the little spiel. 
I just don't say anything because I dont want to be banned.
Nope.
Not here and not IRL. The older you get the less you care about what people think.
@Jnbmom wrote:Oh I can relate to this. I try not to sound mean, but also not sugarcoat anything. Sometimes I find myself deleting my reply because it may be coming off as snarly so I just decide not to comment. I just get frustrated when people don't use the search feature, or ask for advice then argue why with you are wrong with your financial advice. And I think the most thing that I bite my tongue on is the I just got discharged what cards can I get😯 I realize we must rebuild as I have filed myself, but just was very cautious
I deal with these kinds of posts a lot. LOL. I am just like, "Hun (or dude), wait a couple months until you get you act together . I don't want you to mess up again"
@Anonymous wrote:
No, since it's not my intention, but I could possibly come off that way. I'm aware that my "tone" may not be as passive as others may wish and try to be aware of how my mood affects how I say something. However, I always try to include something helpful. I find the people's post who usually piss my off are generally very unhelpful and scrolling through their other responses (just case I've misinterpreted it) it becomes clear they have come here only to be passive-agressive trolls.
I also see quite a few people who come on here asking for permission to do financially irresponsible things (spend money they don't have, ignore debt, etc.). If you don't say what they want to hear 💣💥
You pretty much summed up my struggle. LOL. Thanks for the reply.