I would say that you need to make an appointment with a marriage counselor

If he’s broke, even though he should have plenty of money for ‘his bills’, where is his money going? He can’t be spending THAT much on Powerball tickets. If he is, he needs to seek help for a gambling addiction. Regardless, you guys DESPERATELY need counseling to understand where his head’s at. If you can get the underlying disconnect solved, maybe you can get your finances solved as well.