Well, I think actually it's the girl saying to herself the whole 'you really need to settle down' thing. I think she's a wreck because of the break up, but she knows that he doesn't love her anymore (he was moving on while she was trying to pass the time). The girl still likes the guy, but she knows the only way that she'll be able to keep moving on with her life is to settle down and forget his lies.
Well, I think actually it's the girl saying to herself the whole 'you really need to settle down' thing. I think she's a wreck because of the break up, but she knows that he doesn't love her anymore (he was moving on while she was trying to pass the time). The girl still likes the guy, but she knows the only way that she'll be able to keep moving on with her life is to settle down and forget his lies.
At least that's how I take it. =]