"If u ask me …"

IMO

This shorthand is often seen in online debates when someone shares their personal take on a topic. Think of a three-letter phrase that starts with "in."

The clue mimics casual text-speak where "If u ask me" is a shorthand way of saying "in my opinion." The answer, "IMO," is a common internet abbreviation for that exact phrase, often used in messages or social media. It’s a direct play on how people shorten phrases online for speed and convenience.