I am not specifically dealing with this tonight (though I am wired and not sleeping), but ohhhhhhh boy, I know what you are talking about. That negative voice at night. The thoughts that just won't settle down. And you're right about the guilt: you feel like you spend so much time worrying, and then you think about how much you'll regret the time spent worrying, which makes you regret it in the moment even more, and the cycle goes on and on and on.

I really do empathize with you. Do you ever try turning something on or reading to interrupt those thoughts? (edit: I see Yoda already suggested this!)