am I over exaggerating

Br
My SO is almost never home he comes home at night around 3am and i see him when im able to wait up or in the morning when he's waking up to leave again. He goes to school and works i do too but even on his off days he ask to come in or hell go in early i legit just think he doesn't like spending time with me or i annoy him he had New Years off and I thought we'd spend time together but this morning he still found something else to do which was go work at his dad shop, he says we need the money but idt we need it that bad he's gone so much that whn I tell my friends he lives with me and my fiancé they thought i was making it up cause he is never around Is this ok? Should there not be a balance between work and your relationship when it comes to money?