My life is about either having no time or no money.
It seems like my life is busy working and I have money, or I don't have enough work and I'm broke.
この場合、次のような言い方ができますよ。
ーMy life is about either having no time or no money.
「私の人生は時間がないかお金がないかのどちらかだ」
ーIt seems like my life is busy with work and I have money, or I don't have enough work and I'm broke.
「私の人生は仕事で忙しくてお金があるか、または仕事がなくて金欠かだ」
broke で「金欠の」
ご参考まで！
カナダ 
