My husband (35) and I (34) have been together for 18 years. We are high school sweethearts. today I learned he spent half our savings on sports betting, causing us to be months behind on our mortgage. $10,000 down the drain and he got a $3,000 loan without telling me for a rainy day. He’s always wanted to keep our finances separate and I didnt mind it at first. But he pays everything late but doesn’t seem to care. he already has a couple debts in collections. we have a toddler. I don’t know what to do