Is it so wrong

For the women to get everything done herself and then add him at the end? my finace does not want to then he does. I think he is scared because he has an Ex who got into the marriege for the wrong reason. I have almost every thing planed but we are in need of the money. We will never have the money. My mom has cancer and I am not going to ask her to help with that am I wrong? We dont have jobs but he goes to school.