Nicole, one of the things that I see in my sitch, that I also see in yours is an inability to detach fully. In my case, I'm pretty sure that it's because we still do things that I have mentioned in my thread like lingering over lunch, or her coming out to the movies with me and my D. Your husband coming over and lying in the bed next to you is one example of the things that I suspect make it harder for you, and us, in the long run.
Another thought regarding him losing his job... I think you should talk to a lawyer about filing for divorce if for no other reason than to mandate support for you and D. I'm obviously not a lawyer, and would talk to one about whether you should/would receive support based on his earning POTENTIAL vs his current actual earnings. I am under the impression support is based on earning POTENTIAL, which makes coming up with the money each month his problem, not yours.
M:23 T:26 Me:53, Wife: 60 S:18 D:16 filed 7/16 W moved out 4/28/17