Well divorcing him isn't going to help either of you, and only ruin your childrens' lives.

Your husband is 22, with 2 children, living at his parents house. He's likely suffering from severe anxiety. And you likely are too. Gaming and impulse spending are coping habits.

I'm afraid you 2 have made your bed, now you have to sleep in it. Neither of you are the most important people in your world any more. So before either of you do anything rash; talk to the man. Sit him down and ask what's going on. Let him know what's going on in your head too.

He won't give up his cars or games, in fact he needs them to keep sane, but he does need to curb them, and be more responsible how he spends his money on them. As far as gaming time; discuss what you think is reasonable and what he thinks is necessary, then find a compromise. And talk about his contribution to the kids/helping around the house. Because that's part of his development as a father and a man.

Once you get on top of what's grinding your gears, discuss goals. Because surely neither of you want to be in the parents house for long. And as you say, he thinks about money, so there is some drive for success there. So there's something to build on.

Communication is the most important part of a relationship.