Two things that really stand out is how he has been sleeping with his phone to keep it private, and him choosing to sleep on the couch. You don't sleep with a phone when you are stressed out. And him sleeping on the couch when you have not pursued an argument, is a big statement in my book.
Your female intuition has been telling you something was off. I just don't think he would resemble so much who he was last, if this was over financial stressors alone. He is choosing to rebel against the life he had with you, and that is why he has this stinking attitude and inexcuseable behavior.
From what I can tell, you have been a W only a fool would leave. So what does that say for him?
"As a dog returns to its vomit, so fools repeat their folly." (Prov 26:11)
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!