You can’t apply to any schools that don’t have merit - so that’s your Barnard, Yale - and your other Ivies, Georgetowns, Franklin & Marshall and more.
Are you taking a test - not for the Cal schoosl but other?
If you want to spend $40K, you have to apply to schools that will get you there.
A school like U of Arizona would be solid or potentially a Miami of Ohio or Truman State. A U of Denver about $50K, etc.
What do you want in a school - size, weather, etc.
Nothing wrong with UCs and Cal State schools. You can also look at WUE - why Oregon State?