Financial talk

been w/bf for 3 years now (don't live together yet but practically-I only spend 4 days a month at my apt). we got into a little spat today b/c I am tired of working overtime to cover my bills (wages are being garnished almost 800/month should be done in 3 weeks). I work about 96 hours every two weeks to pay car payment,phone bill,rent,car ins,gas,etc due to the garnishment. sometimes my check isn't enough so my bf will help me pay me rent. I got frustrated today b/c I had to come into work at 3p to work a 16 hour shift and felt that the apt was a stupid thing to be keeping b/c i'm hardly there. my bf said me and my 3 girls (that he adores) can't move in yet b/c he wants us both financially stable first-he is very stable-me, not so much. He said we fight alot over money and my bills (i didnt tell him about all I owed in past and it upset him so he's a little leery) and he wants to make sure they are all gone first. then the issue of my daughter came up.... my 6 year old daughter finished school early while my other 2 have 2 days left. I worked a 16 hour shift tonite and have to get my daughter straight from her dad's house tomorrow w/no sleep. My bf is home tonite and slept but when I brought up the issue of having to bring Chelsei (my daughter) to his house, he said that the kids weren't his and he didnt feel like babysitting since he'd worked all week w/little sleep (we got back from vacation on sunday and he slept one hour after working on my car brakes then went straight to work for 12 hours). he worked monday and tuesday nights too-tuesday night was a 14 hour shift. He later apologized for saying the comment about the kids not being his-he was angry at me for snapping at him about not living together. he said he didnt want to babysit her completely but would help watch her if I want to rest a little-he felt he'd be a bad babysitter tired and worn out after being on the run for 3 weeks (mom kept him busy on trip) is he being fair?