Have 2 saves of the same character.
1 is a normal citizen, the other is an adventurer.
save 1 does every day stuff and Goes to sleep at 10pm-8am every day.
save game after using bed.
save 2 is loaded when save 1 sleeps.
save 2 is a dream and does adventuring for a while then save 1 wakes up.
save 2 is saved and save 1 is loaded.
save 1 does more every day stuff earning money to buy a big house.
it reaches 10pm. use a bed at 10pm until 8am and then save at 8am.
load save 2 and continue your characters dream.
after some time save 2 is saved and save 1 is loaded.
repeat.
what do you think.