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In a book about mindfulness I read recently it stated that for most people 80%-90% of their thinking was repetitive, useless, dysfunctional and negative-even harmful.
I find myself having internal conversations with people about things that haven't come up yet and may never come up. A friend calls this "writing scripts."
Watch yourself! Observe your thinking and you will see where your problems come from. Live in the now. It's all you have.