I'd tell him he may or may not make it without you. That remains to be seen. the sad truth is that one thing is for sure, you won't make it WITH him. I'd tell him if he doesn't think he can make it without you, he is not in any shape to meet his responsibilties as a husband or father. I'd tel him that one of you needs to make it, one of you needs to meet the bills and put food on the table. I would tell him that fear motivates you. becaue of him it has to right now.