I agree wholeheartedly with Ss. She knows what she's talking about
Lorelai- specifically - I would recommend you do two things:
1. See a lawyer. Soon. Your H sounds like he might use finances as leverage.
2. Your posts radiate with stress when you're talking about taking care of the kids. Set up a visitation schedule with H. It should be something you can live with (30% or whatever). You need to do this. You'll feel a lot stronger dealing with the whole enchilada if you can get some relief.