With the adversities you've been sharing with us recently, I risk offering this guess: Your mind is on high-alert/short-term survival-readiness/problem-solving multiprogram mode, and with it, a drive to postpone sleep and draw out worktime. Evolution did not update our brains with a specified protocol for a 20th/21st-century financial/housing situation, so our brains approximate the danger to solutions that, for our ancestors, helped them turnaround in answer to a plains fire, a rival tribe, a lion pride attack, or rising floodwaters.
I'm wishing you the might to get the most out of this mindset, clinch a win from your sea of troubles, then get well-earned triple-quality sleep every night for a month.