I have to say, your bf does not seem realistic about money. He really makes a substandard living, and "wants to own a gym someday" but making no concrete steps in that direction is just wishful thinking.

Noticing that his age is 33, I have to say if he hasn't gotten realistic about how to reach his dreams by this age, I'm thinking it's unlikely to ever happen. You can either accept that about him, or move on.