Grammar fix
if you ask me
preface your opinion
A casual way to flag that what follows is your own personal opinion.
expressionB1common
Hear it in context
Notice where the phrase sounds natural.
If you ask me, we're paying way too much for that flat.
A: What do you reckon about the new plan?
B: If you ask me, it's never going to work.
Fix the pattern
One small grammar move makes it sound right.
Not: If you ask to me, it's too expensive.
Say: If you ask me, it's too expensive.
It's the fixed phrase 'if you ask me' — no 'to', and no one has to actually ask first.