Dreaming of being inside a tugboat with water coming in can symbolize feelings of being overwhelmed or a sense of losing control in a situation. The tugboat may represent your ability to navigate through life's challenges, but the rising water suggests that you might be feeling pressured or in over your head. The people outside yelling to get out of the boat could indicate external influences or advice that you might be ignoring or struggling to acknowledge.

Consider reflecting on any current challenges in your life where you might feel trapped or in danger of being overwhelmed. This dream could be urging you to seek help or to take action to address these issues before they escalate. It might also indicate a need to listen to those around you who are concerned and want to help.