I don't have a clue what to do, but I wanted you to know that your situation sounds exactly like mine. I do think my H is depressed and with good reason - you can check my story in newcomers. He has also cashed out his 401K, but is giving me 1/2. We've already signed D papers, only because I wanted something in writing as to what he is agreeing to give me. H has moved OW in with him and I've devestated! I am not ready to give up on my marriage yet, so I've not had anything filed in the courts yet. I have started counseling, it is good. But expensive. I agree, if you can afford it do it OR try a support group through a local church. Just knowing that you aren't alone helps too.
Me: 41 H: 43 M: 21 yrs DD: 15
1st bombshell: 2002 - 6 months 2nd bombshell/moved out: 10/03/2012 OW: 10/12/2012 Signed MDA & PP: 11/20/12; but not submitting Confirmed OW living with H: 11/21/12