And then they tell me to 'save a little money'.

I’m freelancing and I don’t have a regular income, okay. But I’m doing my best. Today a client told me that the payment will be delayed, I’m angry. My spouse mentioned their credit card expenses and told me to save a little money! It’s like a joke. It feels like they’re relying on me instead of cutting down their spending. What should I do in this situation? I’m scared that if I stay silent, it’ll become a habit.