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Hello, I'm Rafael, an integrative psychotherapist. I'm here to support you. I'm carefully reviewing your post and I'm sorry to know about your distressful and painful situation.
The reality you have described here about your relationship is indeed very concerning since it shows how this long term relationship has severely suffered because of your partner's behaviors whenever he faced financial challenges, thus, how the integrity and quality of your relationship has depended on how satisfied or not he has felt financially.
Now he is leaving you for the same reasons besides you knowing about other woman from the gym that he says he does not care about. What I see from your story, is that this person's actions do not show he has you as a priority and truly cares about you or your feelings, but makes choices for his life based on what seems more convenient to his ego. This is why I do not believe this person is good for you the way he has been so far. Does it make sense?
I see, then from your point of view, all the times that in these years you/he had financial problems, your relationship has suffered, and now he is also telling you that he is distressed because of credit card debt, job, lack of money to travel and complete his sport's course, and the girl fro the gym, and because of all of that he needs to leave to think about your relationship right?
Then he has been facing significant stress form all these situations and feels it is better for him to leave to feel better and work on them.
No way to know based on your story. What I see is as you said your point of view with the issues you have described and I have commented on here. Only you know how real, and healthy is this person's affection and caring towards you. What I know is that physical/sexual attraction is a core ingredient for healthy relationships, but it must have a healthy and strong affection, excellent compatibility and same or very similar levels of maturity, lifestyles and same goals, needs, and expectations for it to grow and develop as a healthy and really fulfilling long-term relationship. If you believe you have built this kind of relationship, good for you, otherwise anything could happen..