Q&A: My lotion keeps separating and I’m frustrated! What can I do? (Part one)

In this month’s Q&A, VeryBerry asked,  Hi, my cream keeps splitting and I am tearing my hair out…(Literally)! I have tried EVERYTHING in my knowledge (change emulsifiers, reduce oils, etc.) to stop it from splitting but nothing works. Here is the recipe. Can you please tell me what I am doing wrong? I want to…