That little voice talking inside your head exists in everyone. That little voice is called inner speech, and you can hear it when you’re thinking or silently contemplating.
There are many unique variations of the voice. Sometimes it arises instinctually as an early warning. The message, in this case, is usually fear driven and focused on risk avoidance.
The voice could just be part of an unconscious direction reinforcing your values or learned behaviors from your environment. For example, telling yourself to be nice when the situational context is driving you in the opposite direction.
Listening to your Little Voice
It is not a bad idea to trust your inner thoughts, but verify. That is, your instinctive reaction is usually developed based on sub-consciously viewed and stored facts and worth considering.
The little voice can be a very useful guide but it can also include over-reaction and emotional drivers (e.g., fear) and should be validated to ensure extraneous feelings are not being incorporated in the direction provided.
Acting Prudently
The smoke test of a good decision or direction to proceed can be the little voice in your head but to reduce the risk of unhappiness (unsatisfactory outcomes) consider carefully before acting.
It behooves you to examine your inner thoughts in the harsh light of reality (For the existentialists among you the question, “What is the reality?”, is another topic altogether.)
Self-talk, in essence, the voices in your head, is really just one way of filtering information to arrive at a better decision. It is not wise to ignore nor is it wise to play slave to these thoughts and ideas.