You are not happy, he won't change so you know what you need to do, I'm afraid. Regardless of being worse off, could you imagine living with him for another ten years? Twenty? What made you reconcile? Were there promised of changes which haven't materialised? Or were you missing something that the relationship gave you? Only you can decide what to do. My exh and I briefly reconciled - I took him back. It didn't work out and I was left with two children to bring up and had to find somewhere to live. I maybe didn't have the well off life I could have had, but I have been much happier. Whatever you decide, I wish you all the best.