I've found I just loan time from tomorrow's morning if I stay up late working on something. If you're in a good flow, it could be worth it. Other than that, you're likely to be underwater on the loan.
Borrowing productivity from the future is how I feel about my career as a whole. I spent 30 years working stressful 70-80 hour weeks, only to burn out completely in my late 40s. From high achiever to practically zero executive function. Like my ability to get into a flow state blew a fuse and now I can't get there. Meanwhile all my peers who kept a healthy work-life balance in their 20s and 30s are still doing great.