in my 65 gallon mixed reef, daily chores take only moments really, just feeding and a quick check of equipment. Maybe another 5 minutes every 3rd day to clean the glass.
The weekly maintenence is pretty easy too. Maybe zap some aptasia, feed some corals, pluck a sprig of algae, change a filter pad. With experience & preparation, water changes, testing, refilling 2 part solution, top off water & say gfo can be done in an hour if need be.
Major maintenance can take a few hours - cleaning pumps & skimmers, moving and/or fragging some corals - but this is only done a few times a year.
This is for an established tank. The reaearch --> building --> learning --> stocking --> problem solving in the early years can use up much more time.
But if you're truly strapped for time and/or cash, are probably going to move in a few years and have a spouse who isn't in favor of the idea, a full blown reef aquarium may not be a positive thing for family life. But you'll have something to look forward to in middle age !!