B2M, you are right to become aware of who you are and your own worth. H, right now, is not well. It is difficult to have a real, mature conversation with someone that is only worried about themselves. He cannot think fairly at this time. My W is the same way. All they see is how if it isn't there way, they feel controlled. It is a very twisted view.
I do believe in considering the children when it comes to anything that will affect their lives. When it comes down to it, they never had a choice in any of this. Just because our spouses can walk away from responsibility never provides justification to consider ourselves first. So many times I have heard people say (people I know personally and care about) that "it is my turn to have a life. He or she has been able to do what they want, so should I". At the same time, I see their kids hurting from what first happened to mom or dad, and now the remaining parent has lost it.
Personally, I think you are doing great from what you have shared. I do agree that you need to protect yourself financially for the sake of your children. I would only recommend, do what is right, always.
Me:56, W:51 D:26,S:24,S:22 Married:18 Bomb 9/27/06 Separated 11/27/06 Divorced 10/6/08 Leaving it up to God