I'm just thinking out loud,我只是在自言自语。 A:Were you talking to me about something?

你和我说什么了吗?

B: No, I'm sorry. I was just thinking out loud.

没有，对不起。我刚才是在自言自语。

There's more to it than that.还有别的事情。/还有比那更深的含义。A: I heard you quit your jobbecause you were unhappy.

听说你因为不开心而辞职了。

B: There's more to it than that. I'll tell you about it later.

还有别的事情，我以后再和你说吧。