Similar situation?

I want to experiment sexually and have confidence doing it. I want a family and I want to own my own business so that I can stay home with my babies most of the time once it got going. I want to buy a house. I don't want to live expecting that we more than likely won't have the money so we have to live off the credit card that's in my name. He's 10 years older (I'm 20 he's 30) and I feel like I'm the bread winner and I'm the stresser and basically im his mom! She also enables him to live this lifestyle by giving him money and paying for his car payment.

He is such a great, funny, smart, ambitious person. Right now, he's "working for friends" getting paid minimal cash two days a week - which means he can't show income when I try to buy a house, he doesn't make enough that we could survive while I was getting my business started (and I don't make enough now to work a 9-5 while building my business up or qualify for a home loan). We wants kids but I'm nervous about his ability to provide for them. He says he'll make it big with his art and turning classic cars but I can't wait much longer. He used to be such a good provider, I just want him to wake up and help us achieve these things together. He is so smart and he could be so successful if he worked for it instead of waiting for it to come around. Is this a funk he's going through?

Have you ever experienced this with an SO? Did you stay together or break up? What was the outcome if you stuck it out? Am I being selfish or insensitive to him?