when someone says something to you that upsets you?

My neighbor across the street called me "lard ***" and said "screw you" to me yesterday, almost in the same sentence. We've always gotten along and he's been giving hubby and me gifts lately; anything from really small to a manual wheel chair for me that I really needed. We share things with him. It's almost like he's a member of the family. Then he comes out with this yesterday.

After he left was when I had the thought that I was going to have to say something to him. Why didn't I say it when it happened?! I get so angry with myself when I let things like that go! It just doesn't occur to me. I have a comeback for when someone says "screw you" to me. It's "You ain't man enough!" but I thought that would have been rude. And what he said to me wasn't??

I'm sure I'll see him today and I plan to say something but, geeeeeeeeeeeez!!! I wish I could have said something right then!!

Anybody else do this? Why do you think it is?