I would definitely not call you stupid, but I believe that you might have went too long with taking care of him. He appears to be spoiled and somewhat ungrateful. The unwillingness to take of you and the kids fully is very selfish. I would talk to him about where his mind is and why he feels the need for you to split the bills when you went for 3 years doing it all? He may need to feel like he needs to hold on to some money to make him feel better about himself now that he is making an income. I would probably cause him to make a decision and stop playing house and become a married household. Both of you deserve better than the half hazard lives you are living before your kids. I hope some of these thoughts help you. Be bless in Jesus Name!