Thanks mvgfwd, Sotto and Starsky.
I did tell him this morning that I don't want this when he has someone else. He stopped what he was doing, but didn't really say anything.

I went to see L. Turns out I don't really have a lot of choices. Since H and I make about the same money and H takes care of the kids as well, there is not much I get from him. That is even for legal S or D. The only thing I learned was that the date of the separation could be any day (I'm thinking BD), we don't have to be physically separated if we have to go that route to divide assets and debts.
L said even if H just takes off and leaves everything for me to take care of, there is not much I can do. If H doesn't take care of the kids, of course I get child support, but because we make the same money, it's not going to be a lot...


I think I'll have to have a talk with H about finances once again, this time with all the expenses and numbers listed for him to see. Since I have been doing all the bill payment, I don't think H really understands I am not really bluffing about having no money, and losing a house is going to be a reality if he continues.