This term is used after you inject your statement/opinion into a conversation. Generally, this statement/opinion is non-factual, so by saying "just sayin'", you are clarifying that this statement/opinion is unprovable and it is just a thought off the top of your head.
During an IM conversation, this term can be abbreviated with "JS".
Bill: So, what are your thoughts on Chrissy?
Dean: Honestly, I think she's pretty stupid lookin'.
Dean: Just sayin'.
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