Our expert says:
Why, in general, might it be unhealthy ? If you forget who is talking to who, or if it begins taking precedence over the chopres and duties of life, maybe it might become problematic. Talking aloud when on your own, isn't troublesome ; in public it annoys and bothers others. As you descibe, some such talk is a sort of rehearsal for discussions you might have with others, or what you would prefer to have said. If they're lasting a hour or more, you have more spare time available than most of us. And if one lives alone, it becomes a substitute for some of the contact with others that would replace it in a busy family --- and similar to talking to the cat.
But when you describe it as delaying you from sleep for hours, this is surely a bit much ? And where excessive, this is usually a less than useful attempt to adjust to some of the stresses of life
Its at the point of it interfering with sleep, and the day-dreaming interfering with work, that it sounds as hough it is becoming excessive ; and a CBT style counsellor could help you harness this impulse more usefully, and find other ways of working with your concerns.
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