A couple thoughts... first, I agree with what everyone else has said. You need to be honest with Y, and counseling is essential. If he won't go with you, go by yourself. Talk to your counselor about how to broach the subject of your feelings for E with your husband.
Second, I don't mean this as a criticism, and I may be reading too much into what you've said, but you seem to keep returning to finances. Are you just staying with Y because you don't want to "rock the boat" in terms of your standard of living?
Third, you say that you have talked to your husband about your problems with the relationship 4-5 times. That might feel like a lot, but I don't think it's enough. You need to tell him EVERY TIME. If you wear a hot outfit and he doesn't compliment you, and you sulk and don't tell him that it bothered you, how could he possibly know? Drop all the "indirect methods." They don't work, they just breed resentment.