Generally speaking, two years of separation between husband and wife can be used as the basis for emotional breakdown. At that time, if the court fails to mediate, it will decide to divorce. Even if the court does not decide on divorce, the other party can still file a divorce lawsuit again after half a year. If the lawsuit is repeated, the court will always decide to divorce.

If this marriage is irretrievable, it's best to end it as soon as possible, because as you said, the children are still young and there is no financial source at home, and the divorce is caused by your husband's idleness. Once you file for divorce now, the court will take care of you to the greatest extent:

1. If you want children, the children will be awarded to you for support;

2. As the wrong party, your husband can hardly get anything in the division of marital property;

3. We will strongly support your child support request;

You can also ask the other party for mental compensation, and the court will support it.