I’m thinking about separating

Do you y'all have children?

Yes we do

Seek legal advice first

So , I don't know what your finances look like ,but if ypu all have a joint account he can not pull the money out. Also if your credit is good you could get no interest no payments credit card for 21 months and just pay a whatever the low monthly payment is. Also see if you can find one you can get points back as well.