Dating in Your 20sTake the quiz

Hidden stress

How do I stop overthinking my relationship?

Swap replaying for one real question, keep the group chat for support instead of analysis, and stop planning a future you haven't been asked about yet. In your 20s this loop is especially common: younger adults report more rumination than older ones, and relationships rank among students' top worries.

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  1. Why can’t I stop replaying things they said?
  2. Isn’t replaying it how I figure it out?
  3. Is the group chat making it worse?
  4. Why am I already planning a future we haven’t talked about?
  5. When is it more than overthinking?
  6. What to do this week
  7. What doesn’t the research show?
What people see

It's casual, honestly. I'm not even thinking about it.

What you carry

Replaying what they said at the bar word for word. A 40-message thread in the group chat titled with their initials. Already wondering whether you'd still be together by your friend's wedding in June.

An illustrative example, not a quote.

You stop overthinking your relationship by giving the loop something it can’t get from replays: an actual answer. Pick the one question you keep circling, ask the person who can answer it, and use your friends for support, not as a review panel for every sentence they said.

Why can’t I stop replaying things they said?

Meet Zoe, 24. She’s been seeing Sam for about three months. Saturday at a bar, she mentioned a friend’s wedding in June and Sam said, “Let’s see how summer goes.” He laughed. She laughed. Then she replayed it on the walk home, in the shower, during a meeting on Monday, and while falling asleep. Was it a joke? A warning? Does “let’s see” mean no?

Part of what’s happening is just being in your 20s. In a Spanish study comparing young adults (18 to 29) with adults aged 50 to 76, the younger group reported more rumination, and the older group leaned more on problem solving and distraction.2 And relationships take up real space in young people’s worry. A team at the University of Sussex found that student worry rose about 20% between 2001 and 2019, and that worries about intimate relationships and “what people think of me” scored higher than money or health worries.1

So if your brain has a lot to say about one sentence, you’re in good company. The question is whether all that thinking is going anywhere.

Isn’t replaying it how I figure it out?

It feels that way. It usually isn’t. In a major review, psychologists Susan Nolen-Hoeksema, Blair Wisco and Sonja Lyubomirsky summarized years of research showing that rumination (going over the same worry without moving toward a solution) makes negative thinking worse, gets in the way of problem solving, and can wear down the support people give you.3

Zoe’s replay has one useful bit in it: she’d like to know whether Sam pictures her around in June. Every other part of the loop (the tone, the laugh, what “let’s see” means in his private dictionary) is a question only Sam can answer. Replaying can’t. So the move is to keep the useful bit and drop the rest:

  • What happened: He said “let’s see how summer goes” when I mentioned the wedding.
  • My reading: He’s not thinking long term.
  • The fear: I’m more into this than he is.
  • My next step: Ask him, lightly, what he’s thinking about summer.

Notice that “my reading” is a reading. Sam might have been dodging, joking, or just bad at planning anything past Thursday. You can’t tell from the outside, and nobody else can either.

Is the group chat making it worse?

It can. Talking things through with friends is one of the best things about your 20s. But there’s a version of it that keeps the loop spinning: the same screenshot, the same question, the same “wait, but what did he mean.”

Researchers call this co-rumination: going over a problem again and again with a friend, with lots of focus on the bad feelings. In a study of 44 pairs of college-age female friends, pairs who co-ruminated while talking about problems showed bigger rises in the stress hormone cortisol than pairs who did less of it, or pairs who spent the time planning a project together.4 The friendships weren’t bad. The style of talking was what mattered.

A simple swap: tell the chat how you feel (“I’m weirdly anxious about the June thing”) instead of submitting evidence (“ok read this and tell me if it’s bad”). You’ll still get support. You just won’t get a fourth theory.

Why am I already planning a future we haven’t talked about?

Future-tripping is the version of overthinking that runs ahead instead of back. Three months in, Zoe has already pictured the wedding, the plus-one question, the breakup in May, and how she’ll explain it to her mom. None of it has happened. Some of it never will.

It’s especially easy early on, when nothing is defined and a single sentence can feel like the whole forecast. One useful rule: you only have to decide about things that are actually in front of you. The wedding is in June. The question in front of Zoe is whether she wants to know what Sam’s thinking, and that one can be answered this week.

When is it more than overthinking?

If the loop runs most days, keeps you up most nights, pulls you out of work or classes, or you find yourself checking and asking for reassurance over and over to get relief, it’s worth talking to a licensed mental-health professional. That’s not a big dramatic step. A lot of people in their 20s do it, and it helps to have someone trained look at the pattern with you.

What to do this week

  • Name the one question. Underneath the replays, what do you actually want to know? Write it in one sentence.
  • Ask it, small. Something like “Random, but are you thinking about June stuff yet, or is that way too far out?” Low stakes, real answer.
  • Change your group-chat ask. Share the feeling, skip the screenshot. Ask a friend to help you plan what to say, not to decode what he said.
  • Set a stopping point. If you catch yourself on replay number three, write the four lines (what happened, reading, fear, next step) and close the note.
  • Stay in this month. If a thought is about something more than a few weeks away, park it until it’s actually on the calendar.

What doesn’t the research show?

  • The age study compared two groups at one point in time in Spain.2 It doesn’t prove rumination drops as you age, only that the younger group reported more of it.
  • The student worry data comes from the UK, mostly university students.1 It may not match people your age who aren’t in school.
  • The co-rumination study only included young women and measured stress in one lab session.4 It doesn’t mean talking to friends is bad for you.
  • None of this research looked at your relationship. It can explain the loop. It can’t tell you what someone meant by “let’s see.”

Try it

Tick what's true this week

Tick what's true this week

0 to 2 ticked

Normal amount of brain on it

You like someone and you're thinking about them. That's not a problem. Keep an eye on whether the thinking ends in something you can say or do.

3 to 4 ticked

The loop is doing laps

You're spending real energy on replays and forecasts that can't give you an answer. The one thing that can is a conversation. Pick the question you keep rehearsing and actually ask it this week.

5 to 7 ticked

The relationship lives mostly in your head right now

Between the replays, the chat and the future-planning, you're carrying a lot of this alone. Shrink it to one honest question for them, and give your friends the feeling, not the evidence. If it's costing you sleep most nights, that's worth talking to a professional about.

This is one moment. BUMIS is for that situationship you can't stop thinking about.See your pattern

People who talk about this

Labeled by where their authority comes from. Not a ranking, not an endorsement.

  • Credentialed source

Alexandra H. Solomon

Relational self awareness, dating and building lasting relationships, drawn from her couples work and her Northwestern course.

Licensed clinical psychologist; adjunct professor, School of Education and Social Policy, Northwestern University · credential source

Profiles last checked October 1, 2026

  • Credentialed source

Justin J. Lehmiller

Research on sex, desire, casual relationships and friends with benefits.

Social psychologist (PhD, Purdue); Senior Research Fellow, The Kinsey Institute, Indiana University · credential source

Profiles last checked October 1, 2026

  • Credentialed source
  • Trending voice

Nedra Glover Tawwab

Boundaries in relationships, family and friendship, and how to say what you need.

Licensed therapist; founder of Kaleidoscope Counseling · credential source

Profiles last checked October 1, 2026

  • Credentialed source
  • Trending voice

Ramani Durvasula

Narcissistic and high conflict relationships, and recovering after leaving one.

Licensed clinical psychologist; Professor Emerita of Psychology, California State University, Los Angeles · credential source

Profiles last checked October 1, 2026

All 8 people we point to →

Sources

  1. What's Worrying Our Students? Increasing Worry Levels over Two Decades and a New Measure of Student Worry Frequency and DomainsCognitive Therapy and Research (Davey, Meeten and Field, University of Sussex), via PubMed Central, 2021Used for: A re-analysis of Penn State Worry Questionnaire scores from 18 studies of student participants found a steady rise in student worry of around 20% between 2001 and 2019; in a new measure of worry domains, academic work was the top worry, and worries about intimate relationships and 'what people think of me' scored higher than financial or health worries.
  2. Age and Gender Differences in Emotion Regulation Strategies: Autobiographical Memory, Rumination, Problem Solving and DistractionThe Spanish Journal of Psychology (Cambridge University Press), 2016Used for: Ricarte Trives, Watkins and colleagues compared young adults (18 to 29) with older adults (50 to 76): the younger group reported more rumination, while the older group used more problem solving and distraction when in a depressed state.
  3. Rethinking RuminationPerspectives on Psychological Science (Nolen-Hoeksema, Wisco and Lyubomirsky), via PubMed, 2008Used for: The review summarizes well-supported evidence that rumination exacerbates depression, enhances negative thinking, impairs problem solving, interferes with instrumental behavior and erodes social support.
  4. Stress reactivity to co-rumination in young women's friendships: Cortisol, alpha-amylase, and negative affect focusJournal of Social and Personal Relationships (Byrd-Craven and colleagues), via Penn State, 2008Used for: 44 pairs of college-age female friends either discussed problems or planned a community recreation center. Observed co-rumination predicted increased cortisol, and a focus on negative feelings during problem talk predicted increases in cortisol and alpha-amylase; pairs high in these had higher cortisol after the conversation than pairs lower on them and the control pairs.
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