Separating

I have been telling my husband we need time alert and even mentioned separation but then I was tired the convo ended and nothing came of it. He wanted to do a marriage counseling tool tonight as a way to start anew and I just blurted out no we’re not going to do that we need a trial separation - so now I have to figure out a plan…I have no clue how to start but for 1 he can’t afford to move out with our mortgage and 1 car we just bought in 2023… We are so intertwined / 1 child, car, mortgage but no credit cards. Help what am I supposed to do - I want this I know we need this I just don’t know where to start.