I want to divorce my husband

But I don’t want to. It’s so complicated. We have a 2 year old and have a house together, share all assets, etc. Plus I don’t think we both would be able to afford to be on our own if we left each other. We’ve been together for over 12 years married for 6 and I just feel like I don’t get any peace when he’s around. I feel life is too short to spend time with someone or somewhere when you’re not happy, but I don’t know how to tell him. We just aren’t happy…we’ve had conversations about it but not in depth. I don’t know what to do, all I know is that I’m not happy.