Op, i hear you, had same.
When i met my now ex DH i came into the relationship with twice the money he had. I had owned properties ( from nothing) and he had not, rented all his life, despite having savings and he could have bought. . He enjoyed renting and the no responsibility! Red flag looking back. If it were not for my ( substantial well over £150k in early 2000's ) money we would not have had the properties and lifestyle we had/have now. We had 2 DC's , i did all cooking cleaning, child rearing, washing ,ironing,finances, banking,diy , working, the lot! Over the years i asked DH to climb the jobs ladder/acquire new skills/retrain/MBA/anything. Nothing. He has the same job title today as he had when i met him over 17 yrs ago.
He is/was not ambitious nor eager to learn new skills to help me and our family out or better our situation. I spoke to him repeatedly over the yrs asking him to step up and nods and agreements then the same flat line from him.
He is a good man and a good father but i could no longer tolerate doing it all and never getting anywhere and we split early last year. My DC's and I are the happiest we have been and are now going places again.
I think OP your DH is like my exDH and he is not ambitious , ambition is not on his radar and that ultimately affects all that you and your DC's can have, all that you and your DC's can experience and all that you and your DC's can enjoy from this life. He is just not that kind of man.
So, you need to decide if you are happy or not. I decided i wasn't and struck back out on my own and have never been happier. My exDH had many opportunities to better and push himself and to make all our lives easier but he decided each time to put himself first. Thats fine. His life, his choice. I wasn't prepared to live that life for me or my children as i work, always have and always want more from this life for my DC's and I.
My children and i deserve the best opportunities that money earned from hard work and career progression can buy, alongside love, affection and respect. If you are giving but not receiving any of the above back, you can do this alone OP and maybe one day meet someone who shares your values.
There is a world out there to enjoy OP. Go enjoy it!