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The solution for the time problem is easy.... You don't sleep. The money problem on the other hand?????? I thought of setting up 2 tanks, One on first floor and one in basement. Put your reef ( or more pristine tank )on first floor and have it overflow into your fish only tank in basement then...
You want the water higher in the overflow otherwise you get a waterfall sound. Real annoying. Your overflow wall should have a u-notch up top for your return to go through it. Stick the 1"pipe with some locline fittings on it in the 1" return bulkhead, the locline will sit in the u-notch up top