I’m so sorry to hear you’re going through this. This is actually the first thing I’ve written on this site, I came on here hoping to find similar help! I’m in a very similar position… my husband has always used cocaine (without my knowledge) but it’s only been the past 18 months that it has became an issue…. Debts spiralling, losing his job, staying up all night etc.
Regarding your question, how do you think he would react if you confronted him? I’ve learned the hard way that my husband is going to lie to me regardless of how many promises he has made. I have spoken to DrugFam several times who have stressed to focus on my own well-being and taking care of myself… makes sense but is easier said than done.
Are your savings 50/50? I’d be tempted to check the balance and if he has been dipping into it for drugs, then move your part to another account. You need to protect your own future finances.