Today's educational degrees are pretty much a waste of time, unless someone is planning to be a professor. There are various skills acquisition programs that are way better.
While I was on college, I used $100 to start up a popcorn making machine. That was my first business venture and it catered for my financial needs to an extent.
Personally, I feel like if I don't feel motivated in the morning, I probably won't be motivated throughout the day as well. So mornings are the best time to feel motivated.