@Armadillosocks I know it’s an old post. Just in case you are still deciding.
This is such a common dilemma that I see on MN and one I went through myself for 8 years.
As someone who is at retirement age and who has decided to leave, may I offer you some personal advice?
If you are thinking you want to leave at this stage of your marriage, you will probably decide to leave eventually, unless something radical happens. Ie successful relationship counselling etc. It might be this year, next year or in 10 years time., but you will eventually leave.
Usually the two main reasons for not going are the kids and finances.
I would suggest that you take a good hard look at your finances. Check out what you would be due. Make sure you are on mortgage etc etc. make sure you have access to all joint assets, and if possible know about his accounts, pensions etc, possible debts.
Start making sure that you you don’t give up control and knowledge of your joint assets (I did and regret this).
This is not so you can take ‘him to the cleaners’ but to ensure you have equality in this area. Many women (me included) let the husband have sole control and decision making on finances. Even if you never leave, this is a healthy way to manage money in a marriage.
Once you know how the finances are and if with time things can be improved, you may feel that you and the kids can manage.
Many people will confirm that staying in an unhappy relationship is worse for the children than divorce.
Do what you can to deal with the things that are making you fear leaving the marriage. Eventually you will only be left with the things that make you want to leave.
Or you can do what I did, which is to only decide to leave after the kids are adult and left home, and assets are enough to share. Then it’s quite an easy decision. But I have to also accept the fact that in some ways I have just wasted 10 years of my life being unhappy.