I don't think that the OP is 'just having a mid-life crisis'.
What she has described in her husband is completely unacceptable.
Just because a man does not make very specific demands and hold a woman at gunpoint does not mean that he is not being very very confining and controlling. Many women have experienced this... You start out thinking you will do the right thing, make a decision to put your own self on the back burner and devote yourself to your spouse and young children, as a wife and mother... And YES there are many, many, men who will take this, and run with it, until it becomes controlling/abusive. And, unwittingly, like the member of a cult, the woman can be a willing victim for a long time.
Some of OP's comments really and truly scare me.
The fact that she has now reached a point where she isn't tied down with two young children, etc... and realizes her situation, and that it is not 'healthy', and that she needs to become more independent, at what might be considered middle age does NOT in any way define this, IMHO, as a mid-life crisis.
What I will say to the OP is this.
I was one of the first. And, now others are making similar comments.
OP, you can't have it both ways...
You can't walk out of a marriage, and still have your Ex to totally support you financially, and in other aspects of life. Even parenting.
You will not be gaining any indepence and control if HE is providing and in control of all of the financial assets.
It really is that simple.
You are not being honest with yourself here.
Reasonable child support, while the children are minors, is ALL you can expect. Period, end of story. You are not seeing the obvious here, and you are not being honest with yourself.
What you are describing is more of an arranged 'separation'.
But this is not YOU becoming more independent.
If you have been thinking the way your posts sound, you should put this as a huge focus in your counseling immediately.
I would make a guess that this is a very big underlying issue.
Ask yourself, why would even decide to put yourself in that position????
That could be the million dollar question.
IF separating and divorcing your husband, for the reasons that you have mentioned, is the right thing to do... Then, of course, you should consider making that decision... But, don't fool yourself and look at anything thru Rose Colored Glasses.
As I had posted before...
Many, many, many, women find out the hard way that, when it comes down to business... when it comes down to the brass tacks... The husband WILL use the $$$$ as another form of control. No question.
They will even start out amicably... as your husband seems to be... which is how they will placate the woman and keep her from seeing the truth and being more aggressive, etc...
For a controlling person, when they do realize that they are not in complete control, and the other person is not submissive, and actually takes steps to walk away, this will disturb them greatly and make them angry. Do not undestimate this.
No matter what you *think* you are "ENTITLED" to.
In fact, when I saw your use of the word 'entitled' in that post, I saw a real red flag.
IF YOU DO DECIDE TO SEPARATE AT ALL, OR TO EVER CONSIDER DIVORCE, YOU NEED TO PROTECT YOURSELF. YOU NEED TO HAVE ALL OF YOUR FINANCES ESTABLISHED AND PROTECTED.