Contemplating Divorce?

But I really just can't do this anymore. We are toxic and I'm unhappy. He knows I'm unhappy. We call each other names and say hurtful things on purpose. We've been together for 5 years and we still cannot figure out our communication skills. I did therapy for 3 months to work on myself... I asked him to do therapy with me and he said no. I got a second job recently to pay off debt faster which is awesome but now I'm constantly stressed about money because he is continuously putting more money on the credit cards I am working to pay off. He knows I'm mad and suggested seperate bank accounts which I don't think is a bad idea but when I bring it up he gets mad and says a marriage is not supposed to be split like that. (Yes I know. He's the one that suggested it and when I finally agreed he said no) 

He yelled at me and told me I was SELFISH for posting a photo of myself that showed the tiniest amount of cleavage and said I wanted men to look at me. That morning when I get dressed I specifically asked him

If my cleavage was too much because I don't normally have cleavage showing and he said it was fine. 

I told him I no longer wanted to try for kids until we could figure out our relationship and he legit yelled at me and told me that having a baby would fix our problems. WHO SAYS THAT? I would NEVER do that. I don't want my kids to grow up thinking that it's okay to treat another person when you are mad at them the way my husband and I treat each other. 

All of his name calling over the past 5 year has spilled over to me and now i do it back. I do not want to be that person. I'm so emotionally exhausted from this relationship. We don't have any children together so the split would be easy. But I'm afraid of making the wrong decision. What if we can make it work and be better for each other? How long do I wait to see real changes? Am I just dragging this out because I don't want to be divorced at 25?