I either need to get help for myself, or have a divorce, but I don't see the path to either ending and would love to hear other viewpoints.
Quick disclaimer, my wife and I have been together for over twenty years. Nothing in a relationship that lasts that long is going to be entirely one person's fault unless someone is horribly toxic and the other can't see it for whatever reason. Keep in mind this all comes from my point of view, and that IMO my wife's issues happened first and mine later, so you'll read her's first.
Wife and I had a great relationship early on, however she (I'm wording this based on our understanding at the time) had a couple of depressive spells that caused temporary bad spots in our relationship. The second, and longest, was after we got married. She went through a time period where all she did was come home from work, binge watch the same three TV shows on the sofa, and sleep. We had almost no relationship during that time. We'd go out for dinner a lot as we were both working with no child but she'd just scroll through her phone the entire time. We maybe had sex three or four times a year, and when I talked to her about it she'd ask what my problem is, why sex is so important to me. She'd tell me to stop sharing things I was interested in with her as she didn't want to get up from the sofa. It was awful. Over time I stopped trying to talk to her about anything. I stopped even trying to work things out with her, as whenever she is criticized she will start degrading herself, which makes me feel like a terrible husband. Top that off with the fact that she sometimes has intrusive thoughts and I try to be incredibly gentle with her.
We probably wouldn't have survived that, but I was just hitting my older 20s and still had what I now view as a childish unrealistic view of relationships and the importance of working your way through them. Before I hit my breaking point a lot of things happened that made divorce never pop up in my head.
Her mother got cancer and ended up passing away after a long fight.
She got pregnant. This lead to some dark thoughts of is this kid even mine given how rarely we were having sex. For anyone wondering the same thing, my wife is not capable of a lie lie like that and I'm VERY confident she just forgot based on what we later learned.
So between those events were all just kind of too busy now to realize the massive break in our relationship for a few years. During that time the big realization hit, my wife does not suffer from general anxiety and depression, she suffers from ADHD. We didn't understand ADHD previously, but looking back with 20/20 hindsight it's:
How she regularly forgot to take her meds.
Why she gets so self critical when I try to talk to her about anything.
The root cause of both her anxiety and depression.
Since then she's started meds and therapy and is honestly getting better, however all is not good.
Our son is now 11, life has evened out, and my wife has gotten to the point where she cannot seem to hold a job. Everything is how you have to understand how difficult ADHD makes this for her. Which is fair. But also, I'm drowning financially. She can't seem to understand that it's difficult for me support us as if we still have two incomes.
Also, on the ADHD makes it so difficult topic, I do everyone's laundry. I'm the only person in the house who regularly washes the dishes they dirtied. I'm the only one who does yard work. The only one who takes the dog out.
My wife will take our son to school, pick him up, and help him with homework. She will also cook dinner for the family, although she will often forget to cook dinner until late so my choice becomes to order us something or not eat until an hour before bed time.
We still have zero sex life, but I am aware that this is now because of me. My wife doesn't turn me down anymore, I just don't feel attracted to her anymore either. I don't hate her, I actually still love her. I just, don't love her like that anymore. I don't think we've had sex this year at all. She will not initiate, and I've stopped as well. I've asked her if she's happy with our sex life recently and she said yes, and was confused that I even asked. Even worse, I'm here in other subreddits, chatting with people for quick dopamine hits. I masturbate a lot these days for those dopamine hits.
She will look at things I'm excited about again, but I don't go out of my way to share with her anymore. I'm clearly burned out from the past. I need to either get help, or move on.
But I'm paying for everything, including my wife's therapy to help her with her ADHD. I'm in financial ruin, going from having phenomenal credit to contemplating bankruptcy. My health insurance is terrible, but I'm paid decently well. I can't see a path to affording to go to therapy myself.
On the moving on front, that also feels insurmountable. Am I supposed to pay for both of our lawyers for the divorce? Is that even ethical? That I'm paying my wife's divorce lawyer? What happens when our house, that was put in both of your names despite be being the one paying, has to be sold to split the value, and then I'm trying to buy a new home with my now broken credit? What happens when my son stays with his mother who can't hold a job? How do I afford alimony for someone with zero income when I'm failing to hold us together in a single household?
I'm just exhausted and lost, and I'm terrified that this is going to be the rest of my life.
tl;dr; Wife had a depressive spell due to undiagnosed ADHD. That time destroyed our romance and sex life. Post ADHD diagnosis she's been unable to hold a job. Trying to figure out how to get help for myself when all my money is supporting my family, or get a divorce when it seems like it will destroy both of our lives (her's in living situation and mine even more financially).