Question about income for I-864

[why not1 5]

I will be combining my income with my mom since we both live in the same house. I started my job almost 6 months ago and get a lot of over time. I actual average at least 45 hours a week. My problem is if I average a 40 hour work week I will be short just a little over a $1,200. But since I average about 45 hours a week and would meet the income requirements and could show 6 months of check stubs like it says in the directions. My paycheck stubs shows I work usually over 45 hours a week sometimes. Should I just average my annual income at 45 hours and use my paycheck stubs as proof and that way I would not need to use assets. And is life insurances even a considerable asset, I have heard mixed things on this. Any help would be appreciated.