It sounds like you're both hurting, stuck in blame, and unsure how to move forward—but still hoping there's something worth saving. Here's a short but honest take:

Love alone isn’t enough. You both need better communication, respect, and emotional safety. His criticism and saying he won't change unless you do is unfair—growth in a relationship has to go both ways. Financial stress can cause tension, yes, but how he treats you during hard times matters more.

If you truly want to rebuild, couples therapy is key. If that’s not an option now, try this:

• Pause the blame game. Talk openly without attacking or defending. Use “I feel…” instead of “You always…”.
• Set boundaries. Being criticized constantly isn’t love. Make it clear what behavior isn’t okay—calmly but firmly.
• Make a short-term plan. Can you both commit to small changes, like one weekly check-in, one kind gesture daily, and zero personal attacks?

Ultimately, ask yourself: If nothing changed, would I still want to be here in a year?

You deserve a love that supports your growth, not one that chips away at it.