"Hi Tiff - I don't know who to turn to and I need some advice. Here's my backstory so you'll be able to answer my question:
<insert 500 word life story and current dilemma of not making money online>
Can you tell me which (domain to choose, niche to go into, business model to follow)?"
I'm always shocked by this request!
You may have given me a quick rundown of your situation but I don't know enough to make those decisions for you - and what if I'm wrong, anyway? I'm wrong in my own business sometimes, too!
And sometimes, like when they give me 3-4 niches to compare, in order for me to TRULY give them a viable answer, I'd have to spend an hour or two doing research on search volume, competition, etc. And who knows what their personal interest and knowledge in those niche markets are?
My point is - only YOU can make decisions about your business. Learn the "how to" from others but never hand the reins over completely.
Now I have to figure out a kind reply to send people so that my refusal to do this work for them doesn't piss them off or hurt their feelings.