Anybody left their spouse who refused to divorce?
What should I expect? Esp emotionally. I'm in my mid-30s and I'm planning to move out of my marital home into my family's house, targeting some time this year.

I'm quite worried about these matters tho:
1. Financially. He doesn't exactly support me 100% financially. I do work, but you can say he's like a safety net. Some of my money is tied up in our marital house and I have another property due for completion next year. More commitments  MCO doesn't make it any better for my line of work. I am self employed.
2. I feel guilty towards my in laws
3. Moving all of my things from my marital house *headache thinking about the mess and packing* AND also, I probably have to sneakily move out when he's away. I really don't wanna do it when he's home n have all that drama to deal with.
4. Our marital home, which has both our names. It's such a bad time to sell uuurrghhhh. We bought our house 5 years ago when prices were kinda at its peak. 

It's going to be a big change, I expect and I already expect that I may fall into depression for quite some time after that. If only he also wanted a divorce then we could have joint petition, 3 years ago. No cheating or spouse abuse reasons fyi. I've been unhappy for a long time and tahan all i can tahan in this marriage. We have no kids... so i've been asking myself, "Who am i living for???" Why stay in a marriage where I'm so unhappy that i silently cry at night in bed, next to my "bedmate"?? Because of the stigma of divorce? Bah!

But it is tough taking that first step to leave a situation that i'm getting more used to as time passes by (but not any happier with). I'm mustering my courage. Would be helpful if other ppl who have had to walk this path share their wisdom. Thanks in advance.