Dear @treasure47 and the other posters who are in the same dilemma, may I offer an opinion as a much older woman who is only now separating?
It seems to me that many of you know this is not the person who you want to spend the rest of your life with. You wonder if the love will come back, but it is more likely it won’t. Even if you both worked hard and got something back, it won’t be like the love was before, and it is just as likely it will go away again.
So - once the ick is there, it doesn’t go away.
Probably most important, can you do this to your children? Can you for the next x amount of years play happy families. Depends what age they are now? If the youngest is say 15 then maybe you can last another five years. But let me tell you from experience that faking a happy marriage and not being your true authentic self will destroy your self esteem, confidence, and be a waste of your life.
So - however much you love your children, don’t let yourself be destroyed in the process. You need to be the mother they will need when they are in their 20’s, 30’ and beyond. You need to be their role model and show them how to live their best lives, you can’t do that if you’re not doing it for yourself.
In a perfect world there would be enough money to go your separate ways that allow the children to have some continuity. Look at yourself critically and try and work out how much money means to you. Is a roof and food on the table enough? Or is the need for a flashy car more important? Look into what it really costs to run a smaller home with only necessities. Is this worth sacrificing your happiness for. If you won’t have enough, start making plans and decisions now so in five years time you can manage alone.
So - just because you can’t afford to leave now doesn’t mean you can’t afford to leave forever.
My suggestion, is to decide that you will be leaving, but just not yet as the time isn’t right. See how that sits with you. Put the other problems to one side for the moment, how does that feel? If you can get your head, heart and gut to see this is the only solution for you, then know that the other problems can be resolved.
This means you can push to make the relationship more equal or more how you want it if the DH isn’t doing his share. If he won’t countenance it, then he may make the decision to go for you.
Please, I’ve wasted so much of my life being with someone who I don’t love. I thought I could endure, but I can’t. Now at least my child is an adult, and the finances are ok, it’s an easy decision. I’m going and I can’t get there fast enough.
Im sorry if I’ve come over too strong and its only my opinion I’m stating, but reading your stories, I could have written them all.