Lyric discussion by soletsdance 

also, i think the line "it suddenly rains on us... she's laughing and throws up her hands" may be describing how he suddenly starts realizing he doesn't love her [the sudden rain] and that she's naive and oblivious to that fact, which is why she laughs and throws up her hands in the rain.

"I notice a chill in the air, September is creeping up fast." ^i think that the chill represents his changed feelings and the fact that he has to end things. September creeping up fast is essentially saying that the time to break the bad news to her is coming up fast and that he has to tell her soon.

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