That doesn't sound fair at all.
You deserve better.
Tell him to go get a job. He needs to. Whatever will do. Security guard at a mall. Call center operator or whatever.
It doesn't make sense that you give it all and he demands even more from you.
After 20 years, it’s going to be difficult to get him motivated. You need a financial consultant AND a marriage counselor.
You poor woman. Despair no more (and note the links at the bottom): https://www.kennethreitz.org/essays/purging-the-unexpected-negative-a-narcissistic-partner
...I heavily [understatement!] suspect.
"Predator-Parasite", type pathological. Different types of "Cluster B mental condition/illness" but all with severely unhealthy degrees of Narcissism. One of the (many) biggest hallmarks being, financially exploits/drains (to secretly get rich at your expense as will as bring you down a peg or 10), or downright steals, from his (or her - c. 25% are female) own loved-one(s)). The other is lack of Empathy (cold heart), Superiority Complex (all soft-hearted people are stupid suckers who *deserve* to get used and bullied), and lack of Conscience...no shame or remorse (or keep blaming you for their bad attitudes and behaviour to avoid such)".
To all intents and purposes, incurable. Sorry
Bad for children to be around, as well - worse than coming from a broken home. Really sorry
Please come back after having started a surf via this link and confirm whether you recognise him in these descriptions because, if so, any contributors will know exactly what we're dealing with and how you could/should proceed.
And well done for having hit the end of your tether and woken up. You'll still be groggy for a while, though, so take things very slow. And you will despair for a bit longer. But the point of turning your thoughts to escaping, is that you don't spend the rest of your precious life doing it, let alone seeing that increase to where you literally start to go insane (and your kids end up mal-programmed too).
Please note you have always - from the start - been a divorced, single parent. But with a monkey on your back. No monkey - or at least removed to beyond arm's length where it can't 'hit' you = back on the road to happiness (he'll never be - can't - badly wired or wiring having atrophied and withered away).
If I find time, I'll input some more too (probably).
Say NOTHING to him - you keep your powder dry, it's imperative, okay? If you say anything, they, underneath their spoiled-baby tantrum reactions, just use that gen to learn how to dupe you more effectively in future. I know how tempting it is to tell him what he is, but - don't.
Delete your history from here (or there) every time - and whatever else tightening of gadget security. These boys (and few girls) stalk and spy on you throughout the entire fauxlationship.