Let me clarify... “I think X based on what you’ve said, and let me make sure I understand correctly”. Opinions and claritying facts to help clients change possible distortions and perceptions is perfectly acceptable and often beneficial. Opinions from Ts can lead to thoughtful discussions about realistic options for a particular client. “My thoughts are X because I know Y about you and the impact of the situation on Z. Feel free to consider my perspective; however, I’m most interested in what YOU, the client, think and how I can help you best”.
The above is vastly different from giving advice such as “I think you should do X because Y” or “I believe X is your best option because...” Also different from “based on the situation, these are your options, and I suggest X because Y”. It’s entirely true, normal, and acceptable that some clients need a more directive approach. However, my opinion, and my opinion only, is that giving “therapeutic advice” severely limits client autonomy and can eliminate it altogether.
Most importantly, I would also refrain from telling a client to do something I wouldn’t do myself given the same situation...
ETA: In response to
@FauxLiz, her therapist could have said something like, “Considering the current situation, which would be difficult for anyone, do you think you can comfortably cut expenses anywhere and/or look for ways to reduce your stress at work? Let’s look at the possibilities together. What do you think?”