When did you know your marriage was over?

I’m 23 and I’ve been with my husband for almost 5 years. I know that I love him. But, I also know I’m not in love with him. The last 6 months have been very trying for us. I’m putting in so much effort to make this marriage work, and he just doesn’t care. He won’t talk to me about what is on his mind, what he’s going through, etc. It’s taken a toll on me mentally. He doesn’t take responsibility for his own actions, doesn’t spend time with the kids anymore, all he wants to do is sit on the couch and watch movies, or play on his phone. We are in 80k worth of debt between the house he bought and other loans we have out. So, we struggle pretty good. Our car insurance got cut two days ago because of non payment. Though I kept asking him to put money in the account he just kept spending it on small stupid shit. He bitches about me not working but won’t put any effort onto helping find a reliable babysitter. I have NO one and he has a shit ton of family, but won’t ask for help keeping our two old. I’ve found many of babysitters before but not a single one of them has been reliable so I could keep a job. I’m just tired and I don’t know what to do. He works out of town 5 days a week and can’t make it to any marriage counseling.. I’ve asked him. I just feel like he’s over it and instead of just saying it he’s pushing me away so it hurts me less I guess... I don’t know what to do...