I'm fine, thanks

Use it as a complete sentence after someone asks How are you?. You can also use it to politely decline an offer. If a waiter asks to refill your water, say I'm fine, thanks. It is short and efficient. Always remember to add the thanks part. Without it, you might sound a bit grumpy or cold.

You can use this almost anywhere. Use it at the grocery store with the cashier. Use it when your boss walks past your desk. It is perfect for texting a friend who checks in on you. It works well in a doctor's waiting room or at a party. It is the 'safety' phrase of English conversation.

Do not use this with your best friend if you are actually crying. They will know you are lying! Avoid using it if you want to start a deep conversation. It is a 'conversation closer' in many ways. If you have big news to share, skip this phrase. Also, don't use it if you actually need help with something serious.

In English-speaking cultures, especially the UK and US, How are you? is often a greeting, not a real question. People don't always want a list of your problems. I'm fine, thanks is the social glue that keeps things polite. It shows you understand the 'social script'. It is a way of being friendly without being overly intimate. It's the ultimate 'polite shield'.

You can mix it up to sound more natural. Try I'm good, thanks for a more casual vibe. I'm doing well, thank you sounds a bit more professional. If you want to be very British, try Not too bad, thanks. If you are feeling extra happy, you might say I'm great, thanks!. Just remember the 'thanks' is the most important part!