Obviously he isn't good with money, to have been working and had such low expenses and to still have run up so much debt. And he is secretive and manipulative with it. He expects a woman (mum) to meet his needs but he wants to feel in control, be the MAN. Being 'sick' is a way to justify his lack of ability to act fully adult. As for sex, well you don't have sex with your mum, do you? But he knows you want it so it becomes another tool of control and manipulation. He's had to think of no one but himself all his life.
You know sometimes when we are making big life changes we have to make sacrifices. You may have to find new homes for the cats. You can't support yourself or your kids, you are living on the proceeds of an earlier relationship and those are nearly exhausted. I don't know about there but here it is generally more expensive to rent someplace when you have animals, there is an extra damage deposit and often higher rents in addition to the cost of food and care - what if one of the cats gets sick? They would also hamper your abilty to get out fast if you had to. What if this man became violent? Would you hesitate leaving immediately because of the cats? Give this some thought, you need to simplfy your life, cut expenses to the bone and reduce your reasons for not being able to act and respond.
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