DH and I are going through a particularly rough patch. This has stemmed from him saying some pretty disrespectful things (shouting at me to 'go away', implying I'm lazy, calling our son an idiot for accidentally breaking a toy) and me being disinterested in him. We haven't had sex for about 3 months.
He has always earned a significant amount more than me, around 4 or 5 times more. I don't and never have had access to our finances. I have no knowledge of how much money 'we' have or where it is. He doesn't seem to think this is unusual for couples. I know it is unusual for one person in a relationship to have access to so much money whereas the other has access to none. We have a shared account and used to transfer percentages of our salaries into this to pay the mortgage and bills. Since having children I didn't work for a couple of years and so this stopped. He started transferring money to my account. This stopped when I started working again. He pays all bills except childcare. At the moment while I'm not working he tends to pay for the big shop and I'll do smaller shops to top up in the week.
I stopped working a few months ago, which was at his suggestion due to the impact it was having on my mental health, saying 'we can afford for you not to work for a while'. In the time I have not been working we all had Covid and subsequently suffered prolonged infections/illnesses for a couple of months. Since then, I have been successful in several gruelling interview processes and start a new job soon. I am looking forward to having some independence again.
I have stated I am not comfortable or happy with the way our finances are organised. I feel they should be shared. I do not appreciate having to ask him for money to buy the kids some shoes or even to pop to the supermarket to pick up some bread. He agreed a few weeks ago that we would 'sort it out'. Nothing has happened and I am currently in my overdraft. I think this is the main source of my grievance but it feeds into how I feel disrespected generally.
He does nothing in terms of cooking (maybe once a year and then I have to ask/instruct...), cleaning, laundry etc. I do all of this. I am happy to do so whilst not working but it has always been this way and I am not prepared to let it continue when I start work.
Last night he brought up a conversation with someone and I picked up on the fact he does significantly less in terms of childcare at the weekends. He launched into a rant about how he feels like an inconvenience and I have no respect for him and don't support him. I regret the way I brought this up but ultimately, I do have an issue with him doing less.
He says I seem to demand things from him, I want him to change, I want his money and I want him to support me but I never ask what I can do to support him (this is partly true - although I made suggestions based on what he has raised as issues e.g. he complains he never has time to himself so I am often actively encouraging him to go out and offer to look after the kids while he does).
He says he feels lonely, which I get, as I have no desire to be affectionate to him currently. His parents are pretty useless and he doesn't have any friends nearby. I am always encouraging him to see people/make new friends but he rarely initiates social contact. I often have to facilitate.
He wants more intimacy and ultimately, so do I, but I feel no desire while we are the way we are. I know I need to get better at communicating - I tend to shut down to avoid getting emotional or into a fight as I find it so hard to use the right words when emotionally charged. We do talk but I feel like we go round in circles after these chats and I end up apologising. Whilst I understand he absolutely has a right to feel lonely and unsupported, because I know I have withdrawn recently, I can't help but feel I haven't stood up for myself or explained myself properly and I've been gaslighted.
I would really like to build on our communication, first of all, and make it clear who should have what responsibilities in the household. I also want to make sure we have time scheduled for ourselves to avoid the relentless drudgery of work/childcare. I need the finances to be shared and for us to work better together to feel like a team.
Other than that, I don't know what else we can do or if it's even worth carrying on. Do we just resign ourselves to the fact we need to separate? If couples counselling work it or a waste of time in this situation?