Hang in there. Sounds a lot like my 2007, I was going through that a year before the economy dumped. Clients had trouble making payments back then, work slowed down. 

I’m a freelancer, tech is my primary income and tech winter has been long. It’s getting better but I diversified my ass off and stepped out of the tech bubble a bit. Shut down my brick and mortar. Just doing things differently than 2007. A much more positive experience today, for me, but the signs are there. The volatility, for sure.