right now, your biggest concern shouldnt be how r you gg to answer to your child cos she's still so young, n prob will only ask you after a few more years.
right now, you shld think about whether divorce is the only way out.
about lookin after your child, can your parents or in laws help out?
any reason why your hubby is not working?
have you tried having a good talk with him?
what have your in laws said? they didnt say anything to him???
try to work things out before thinking about divorce.
its a big step, n big issue.
things like this can be compromised n worked on.
talk to your hubby before making such a rash decision.
i believe he is still quite young?