Hi M.,
I have been thinking about your post almost non-stop since I read it, and feel the pressing need to respond. I have been through an extremely similar situation and wanted to offer my experience and advice.
Living with a husband that was not happy enough with me was heartbreaking, and I am so sad to see someone else going through it. At the time I did not want to miss out on any part of my children's lives, and I did not want to go through being a single mom or have to work through dating or working on any more relationships. If I was going to have to work at a relationship, why not stay with their dad? Now I know the answer. Because it is possible to be happy. I did not have to live with such heartache forever. My kids did not have to grow up with such a poor example of what a relationship and a marriage should be like.
That being said, going through a divorce was extremely heartbreaking, for about two years for me. Although I am now very happily married to another man who is my best friend and partner in life, there is one major thing I wish I had done differently then, for the sake of my kids, that may have prevented a divorce, which is my advice to you: Separate. Now. Before it's too late.
When I had finally had enough heartache, I separated from my kids' dad. I wish I had done it earlier. Instead, I waited until it was simply too late for me. He had been completely unresponsive to counseling or any other types of marital assistance when I really needed him to care. But, when we separated, he finally saw what he was losing. He finally fought, when I had no fight or love left.
Separation is a way to see what it would be like being divorced, while still having the ability to get back together and make it work if you find that you were both happier together. It is difficult, especially financially, and it is eye-opening. You are able to see how well you will each handle life on your own. Beware that after having a family for so long, loneliness is to be expected and takes some time to get over - but you will.
Hopefully this will be exactly what your husband needs to see what he would have to miss out on, before it's out of his reach forever. Hopefully this will jar him from this limbo that he's been in and help him appreciate what he has in his life. He cannot have his cake and eat it, too. Marriage is a two-way street and he has to pull his weight to make it work. It's time for him to realize this. If he doesn't, you will be much better off without him.
Please remember that whether separated or divorced, you do not have to 'lose' your kids during the time that they are not with you. You can call them and talk to them every day and be an active part of their lives all the time. Both parents can be involved in their schooling and participate in field trips and other school or religious functions. Both parents should regularly communicate with their kids and know their friends and their interests. Both parents should always be civil toward each other and work together to co-parent their children. That is what your kids need. They do not need to be in a home where a loveless marriage is the example they see for their future marriage. Do you want any one of your kids to end up in a relationship like that? Show them that is not acceptable. You can be happy. You both deserve to be happy. I am now, and I think everyone should be able to be this happy.
Good luck, and feel free to contact me at any time as you go through this tremendous step in your life.