Yeah, fuck this for a game of soldiers. When my DH and I were in our late 40s, he was in a job that he hated. It was fairly cushy, but boring, and he didn't like his boss. He worked 32 hours a week (4 days a week) and he wanted to drop to 16 hours - 2 days a week. At just 48 years old. I did 3 days (24 hours) and he said 'it's all right for you, you only work 24 hours and you have a good employer/get paid if you're off sick/have flexi-time etc.' He went on and on about dropping to 16 hours, and giving a colleague his hours, and getting a new employment contract.
I stuck his whingeing for about 3-4 months and kept saying 'we can't afford for you to drop your hours.' My job was 8 hours a week less than his, but I got paid more... AND I did everything in the house.. One day he said 'I'm speaking to Carol, the Manager tomorrow about reducing my hours to 16 a week.' I said 'you've got to be fucking kidding me!' He was like 'no.'
We were struggling financially as it was at the time - just over a decade ago - and dropping 50% of his hours, meant his pay would drop 50% too. I explained this, and he said 'well, let's apply for benefits, or tax credits to top up the household income.' We had no kids at home by then (they'd already left home) so we would have had almost zero finanical help.
I did pretty much everything in the house. Washing, cooking, housework, shopping, all the life admin, and even the gardening. He did about 5-10% of things.
And I KNOW if he dropped to 16 hours a week/2 days, I would STILL be doing everything. Even if he gave up work altogether, I would still be doing everything, because he is bone idle. I have probably made a rod for my own back by always doing pretty much everything, but still, he never really offered to do much. The odd blue job/DIY now and again, but no 'regular' housework.
I told him in no uncertain terms that if he drops his hours, the marriage is over. He was like
I said, 'I have said over and over that we can't afford for you to drop your hours by 50%, and it will affect my quality of life too. Yet here you are, off to talk to 'Carol' about doing just that. This is something that BOTH of us have to agree to, and I don't agree with it.' He had no health issues or anything, he just didn't like this job, and he couldn't be arsed to try and find another job, and wanted to drop his hours right down.
I wanted to give up work and be a stay at home mum too, (like you @Aggyagro ) when our DC were both babies/toddlers, (just for about 5-6 years,) and he flat out refused to let me, and said 'we need your income too. You are NOT giving up work.' So I had to go back to a job I didn't like at the time, for 28 hours a week (3 days one week/4 the next) because he 'wouldn't let me' stay at home. We still had to pay a childminder so weren't much better off with me working, it's just that he didn't want me not working, when HE had to. Even though I did 90% of everything!
I reminded him of this, and thought like fuck are you doing this now, when I couldn't stay at home full time with our children for 5-6 years 'because we couldn't afford it.' He begrudgingly carried on doing the 32 hours a week. He has tried to reduce his hours again recently, to much less (he is close to 60,) but they won't let him. Good. Because all he would do is spend more time sitting in front of the bloody telly!
I would be divorcing your husband and taking half his pension (as some posters have suggested @Aggyagro ) He sounds like an utter arse.
I can take a lot of shit from men,(I have a thick skin!) but I cannot be doing with a refusal to go out work. I could never EVER be with a man who won't work. Problem is, whilst women who stay at home/don't work/work very little, do everything (wifework/life admin/domestic chores/housework etc,) men who work bery little or just stay at home, generally tend to not do very much, and lots of stuff is still done by the women!