CW, I am in such a similar situation--H claims to recognize how great I am, yet still claims he no longer loves me the right way to stay married to me. What else do they need? I wish I knew. A sense of obligation to honor their commitment to a woman they were once in love with and who is the mother of their children would be a start.
I have been a freelancer for a long time and I also struggle with how I'd manage to get a job with benefits. I mentioned this minor detail to H and he just stared at me. Plus, my H is currently unemployed. It bugs me to no end that he talks about needing to separate from me to be "happy," yet when I tell him to just go, he says "go where? I have nowhere to go. I don't have a job."
So he expects me to let him live with me and share our bed when he refuses to say he loves me or work on our R, and I'm supposed to take that kind of rejection yet be sympathetic to the fact that he can't actually move out for other reasons? Grrrr.
I'm so sorry we're both in this place. I am struggling with the same stuff and don't really have advice for you--just empathy.
Hang in there--we have no choice!
Me/X-H: 47/48 T 19 yrs M 16 years D14 D10 ILYBINILWY: 10/07 H moved out 6/08