How do you know when to divorce?

I am a 36F and my husband 36M. We have 3 children under 7. He is the only man I have ever been with. We have been married 6 years and honestly the whole marriage hasn't been great. There hasn't been any violence or abuse, no infidelity (that I know of, but there was some a couple years before we got married and I decided to stay with him 😔)

We have been having some extreme financial issues these last several years and have been living off of my salary alone. Because of this, I have been going into credit card debt which is killing me because I already have student loan debt. The financial issues stem from him not having a stable job since covid. He never put his all into finding a job and constantly took temp positions or had nothing at all. We struggled in the past but I think we are at a point where if we don't make a drastic change (ie have an additional consistent salary) it could be catastrophic to our family. He works now but it's a commission job and he has not made any deals yet. So he's basically working for nothing these last 6 months.

On top of that he doesn't take me out, he's gone often and when he's home he's scrolling through Tik Tok or just doing things around the house listening to a podcast. If I was childless. I'd be gone. But with 3 small children, the thought of disrupting their life makes me sick to my stomach. My parents divorced when I was young and I still have hang ups with their divorce.

How do you know when to stop hoping things will change with him and just go? How do you get over the crippling fear of your life completely changing? I've had divorce on my mind for a while as I feel I can do better on my own and I'm tired of feeling alone and like I have an adult child. But how do you just move on and let go or if a marriage is worth saving?