What causes racing thoughts when nothing is “wrong” in your own life?

Nothing bad is happening to me personally.

Bills paid. Job fine. Relationships okay.

But my brain won’t stop scanning, predicting, replaying.

So what causes racing thoughts when there’s no direct threat?

It feels less like fear and more like constant background processing.

Like my nervous system never powers down anymore.

Is this anxiety… or just what happens when your brain absorbs too much of the world?

Curious how others here draw that line.