Bless you, I really feel for you.
I was in a marriage where I couldn’t stand up for myself. In many ways I was actually scared of my husband, I let him get away with anything he wanted because the fall out from him was too awful for me.
Eventually things imploded, his disdain and disregard for me became evident and divorce was finally on the table.
I went to therapy and with help saw that he had bullied me and manipulated me throughout our long marriage, it broke my heart.
Long story short, I am now divorced and it’s the absolute best thing that’s ever happened to me.
It sounds without doubt that you will not only be considerably happier if you divorce but also much better off - for many women they are financially worse off but it’s still worth their while to be free of someone that makes them so unhappy.
So three things, before you ever tell him you want a divorce.
Therapy, see a solicitor, and find out about his off shore accounts and assets. As @AttilaTheMeerkat says you might need a forensic accountant, or even a private investigator- not sure what, but you do need to find out what he has hidden away.
My divorce, (married long time, adult child), meant I was due 50% of ALL assets.
I was scared, browbeaten and passive but I’m glad I did it. Talking to others, seeing professionals (therapist/solicitor) will give you strength to take those first steps.
I didn’t even think I had the right to ask for a divorce and it would only happen if he decided he wanted me gone. However, don’t do what I did and be too scared to say anything or do anything and then finally implode and divorce is on the table without knowing about your marital assets. This gave my then husband the ability to hide those assets (which he did).
I am now divorced and I got less than 50% but it’s enough for me to live on.
Therapist and solicitor first. Find the money anyway you can - you will be able to pay it back when you get control of the money which is rightfully half yours.
Remember, the person you are now, who doesn’t feel able to do this isn’t the real you. He has made you this way.
Start with baby steps to gain some confidence- look up Wikivorce website.