Until my home is fully paid off, I'm spending my time fishing.
I'm usually in bed before 10PM Sun-Thursday for work in the morning, so to me personally, Nook's closing at 10PM only hurts me on the weekend. Though it's not as bad as previous games. Since I can place fish and bugs outside, I just hoard a collection of junk outside the door of the shop. This way I can sell it in the morning. (Seriously, Nintendo, no one wants your 80% dropbox).
The evening is a great time to start fishing as some of the more rare fish come out.
Tarantulas are rare, but keeping an eye out for them can net you 8,000 bells (no pun intended).
When summer rolls around, the average fishing trip will be making more bells as sharks start showing up.
Palm Tree beetles too