Hi R.,
I'm in a pretty similar situation, with a son the same age, and me 38, and another baby due in a month, married about 5 years. My husband was staying at home, now he's a student, and he works intermittently, self employed. He's a very haphazard rather immature person and it's hard for him to act totally responsibly. Earlier this year he was lying to me about money, and the scales finally fell from my eyes, for good. Both of us have been depressed for years in our marriage but we were both desperate for the security of a long term relationship. Our depression was literally destroying both of our health over the years, I was very run down and he getting obese.
Counseling never worked for us earlier because he would just nod and say he was trying and that he felt good about things but it was only superficial. When we uncovered the deception about money, I told him he had to move out and support himself for 6 months before I would think about whether or not things could work. That all didn't work out quite like I wanted and I felt squeezed to let him move back in (but in a separate part of the house) temporarily. But it was the only thing that made him realize what a mess he was making of his life and actually take some action about it. He's finally going to a counselor on his own and being more assertive with looking for work and putting effort into his classes, and working on his health.
For me it is too late. I've gotten involved in a group called CoDA (Codependents Anonymous) that has helped me realize what a mess I've made of all my relationships and why, and how to heal myself so that it doesn't keep happening. But for this marriage, I'm afraid that my emotions are completely gone. I agreed to go to a counselor that his parents are paying for, and see what things come out of it, but I have to admit that I have no "wifely" feelings for this man anymore. I just reached my limit with what I could put up with (it's a lot more than what I say above), and that doesn't leave any room for normal every day things that people deal with.
My advice for you would just be to make the time for both of you to go to individual counseling as well as couples counseling. Our couples counselor said that often it happens just this way, with the husband not waking up to the loss and ready to work until the wife has already checked out and is done. I would try to find a counselor for self and for couple that is very solutions oriented. I've been to lots of counselors in my life and none of them except this last one was very effective because they didn't focus on solutions, and didn't get the "diagnosis" right for me (for me it was heavy codependence). I would also tell my husband that things are that serious, that you are about to file for a divorce because you feel miserable and it's not getting better. And it might help to give a time line, 4 or 6 months to see some progress.
A big issue for us was that I was pretty much everything. I worked full time, was responsible for all the bills, and most of the cleaning, errands, and evening childcare. I had to ask for every bit of things that should be shared. There was a lot of chaos. I feel emotionally dead around him and like I want to be away.
Another thing to think about is that there is a time line for spousal support. I think it is that if one spouse supports the other for 7 years, voluntarily or not, they get spousal support.
I wish you the best, and I'm sorry to hear about your troubles. I hope you find a good solution for everyone.