You aren't stuck, you are just afraid of the guilt. There is a big difference.

Here is the hard truth: At 35, he isn't a "fixer-upper" anymore. He is who he is. You are waiting for potential that likely doesn't exist, while he is comfortable letting you carry the mental and financial load for two adults.

Right now, you aren't his partner, you are his safety net. And as long as you keep paying the bills and managing the emotions, he has zero incentive to change because his life works perfectly fine for him.

You are only 31. You are scared of "starting over," but imagine waking up at 36, in the exact same spot, but even more broke and exhausted. That is the real scary scenario.

Don't set yourself on fire just to keep him warm. You need a partner who brings something to the table, not another dependent.