Nightowl habits
I had this style of life about for 8 years. I guess it was formulated from important points of a schedule during this life stage
- 10..15: University
- 16..21: Contract Job, work with US team (-10), from Kiev (+2)
- 21..22: Workout, and pre-workout drink :)
- 23- 2: Night clubs, datings, entertainment and feeling life

Advantages:
+ For my opinion good fit for students, you can combine university, job, life - therefore
you have very comfort because:
1. You can satisfy your parents that you are getting degree :)
2. You can satisfy your needs and do not worry about money for good life, girls and save some money.
3. You have feeling like "i have so intensive and interesting days"

Disadvantages:
+ As we all know habits are really hard to change, so after student years this becomes a base for the next years
+ You do not have time to take retrospective of you life because feeling of super comfort. It does not trigger you to think about changing something in your life.
+ You all time in a rush. Walk up before 20 minutes to get the campus (late!). Some time lessons are too long and you are late on meetings at work (late again!)... and so on most of time.
+ You have illusion of personal "effective time" at 2am, when everybody is sleeping and does not chat/call to you. Time for side projects

Lark!
I had opinion before - it completely does not matter when you walk up, but it was complete my mistake thinking from my experience.

There is great book about how even month/date when you born could change you life on "big numbers" - Outliers: The Story of Success Malcolm Gladwell

When the war came to Ukraine, most of cities have curfew. You must be at home from 11pm-5am. So everything is closing till 9pm. You habits and values are rebuilding, because of changing external environment. Start appreciate more time, investments in yourself and basic things as it was during peace time.

So to left social my habits rebuild automatically without any effort from my side, naturally...

You start walking up early because everything is closing too early. You cannot anymore go for a dinner at 1am or supermarket. You have to do it till 9pm. Therefore you start set up you live meetings also earlier... Consciously earlier go to bed.

You never know when is last day. You are number 1!.
After revaluation your values i started thinking like - "I do everything related to myself firstly during the day and only after everything else (work etc...)

I started trying something new (MMA, Tennis, Dancing hip-hop, contemporary)... what was delayed.
Investments in yourself - most profitable.

6-7am: walk up
7-9am: plan the day, do at least 1 task for your personal project. Still muted phone/messengers
9-12am: shower, MMA or Workout or Tennis(summer) or Snowboarding park
Actually it is really hard to have almost everyday activity, not because it is hard to go... when you do activity everyday - it is actually hard to NOT do
On long time period you will not get recovered for the next day (if you do good training) and therefore testosterone becomes lower because you body cannot recover till the next training. So you must to control your food/vitamins/additives.
- Protein Grams/per day = yourBodyMassKG x 2
- Curcumin + Black Peper
- L Arginine
- Htp 5 - before bed
- Sport Vitamins
- Magnimum B6 - before bed
- Omega 3/6/9
- BCAA during every training

I do have priorties in trainings:
2 MMA per week
2 Workouts
2 Tennis/Snowboarding park - optional. base on feeling and recovery state

12am-7pm: Contract job meetings
7-11pm: Do at least 1 task in personal project, meet friends/girlfriend
11:30 go to bed

Summary:
I do like style of Lark. I become more happy, never misses trainings (i do not understand now, how people able to go to the gym at the evening), only if not recovered.
I see schedule of day as priority of your life:
1. So set up myself on start of the day. You are number 1. Trainings, Health
2. Investments into YOUR feature and money
N. Other/s

For your case i guess even in California will be very cheap :)))

I would add some life hack, just keep in mind. Changing a place can also very help in saving money. Just to live some time in different location can help to your save more money and left you comfort style life.

My favorites:
- The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich
- The Almanack of Naval Ravikant
- Essentialism
- The Millionaire Fast Lane