Finally got to Silver and everyone is cheesing....

I have no idea how to deal with a terran who has 20+ marines at 6 minutes 30 marching to my base

or Protoss who 4 gates and rushes at me with 16+ zealots.

I've tried queens with spine crawlers, both just get melted i cant mass produce lings to deal with it as i dont have the minerals so im getting steam rolled.