He has told you he doesn't love you anymore. But that you should stay together for the children and financial reasons.
That is so cruel. And I knew you'd be the higher earner.
So he doesn't love you, but he still gets to enjoy all the extras that come with living with you - kids, childcare, housekeeping, food, your higher wage.
So everything that beenfits him. Yes you'd have higher bills if you left him. But whats the alternative? waste your life living with someone who doesn't love you? In 20 years from now, you'll still be living with him? And while you are there, you have no oportunity to find someone who actually does love you. He has made sure that won't happen because he has you convinced its in the best interests of you and the dc to remain together. But I suspect that is because its actually more in his best interests.
So he doesn't love you anymore. if he cared about you one tiny jot he would want you to be happy. But thats going to come at his expense isn't it? He is a selfish person OP. And cruel to tell you that and then expect everything to carry on as usual.
And I do hate to say it, as seems such a cliche, but yes you also need to consider the possibility of another woman, and as soon as the dc are left home he could well up and leave (with her) and where will that leave you then?
If I were you i'd look into your options now, financially. Start saving like mad and then restart your life, be happy, and you may even find someone who is devoted to and loves you. how bloody lovely would your life be then?