I always like to add to the 'this isn't financial advice' line 'I am clearly an idiot, and only a fool would think I have any idea what I'm talking about.' Even if I get slaughtered by the SEC, I get to call my enemies fools, and at that point, what else can you do?
Thanks!
No one's paying you and you're the last person to shill a security.
You're safe.
But obviously the disclaimer is clutch so ya gotta keep using it.