I’m not saying that was right or wrong to tell him

I don’t know. I can see how he’d get upset. From his point of view, he’s down and knows one thing will save him — but it hasn’t saved him yet. He knows that, so any reminder that he’s wrong is going to just set him off. Another way to put it in the future might be to point out that his actions, such as not putting any in savings or anticipating contingencies like this, or not planning ahead on some of these things have given you concern about what his financial management skills. You can bring up a lot of these points without even touching on the money pit.