The 2 a.m. version of your problems is always bigger. Wait for the daylight version.

Late at night your brain runs with less fuel, fewer facts and nobody to check it against, so it produces worst case versions and presents them as conclusions. Nothing about the actual situation changed between midnight and noon. What changed is the quality of the equipment assessing it, which is why night thoughts feel so certain and read as absurd the next day.

Make a rule that no decisions get made after a certain hour. Write the worry down instead, in one line, and read it at breakfast to see whether it still deserves that size.