How do u make a user tip?

According to: How to write User Tips - Apple Support

"User Tips are informative tips and tricks created and maintained by community members to help others with their Apple products. When you get to Level 5 in the community, you can write new User Tips. If you’ve repeated the same bit of information in various replies to other members’ questions, it might be good content for a User Tip."

Here's the info on levels => Build your reputation and get rewarded in the community - Apple Support

You’re not qualified. You need to be at least level 5