Obviously, those of you who worked as engineers, electricians, auto mechanics or especially truck mechanics, farmers, etc., are comfortable performing much of your own troubleshooting and repair work. While I grew up on a farm and am the oldest son, I did not continue farming. When I finished high school it was OSU or Vietnam U., and I chose OSU. Here is where I say, "Go Beavers!" I know just enough about troubleshooting and repair work to be dangerous... as you may remember from some of my posts here in the forum. lolol
I would ask how many of you pay someone else to manage your retirement savings? Don't you pay 1% or more of the savings per year for their management, plus you pay a fee every time they buy or sell from your investment position? In my working life I was a company manager and grain trader. I am comfortable buying and selling stocks, bonds, ETFs, options, futures, etc. Thus, I manage my own retirement savings. I pay the minimal fee required for making position changes and I pay for an advice subscription too. But my annual fees for trading do not amount to even close to 1%, 0.4% approximately, of my nest egg.
It's all about risk avoidance and acceptance. I am not comfortable taking on the risk of the cost of repairs for my "toys." But I am comfortable with taking on the risk of trading my own funds. In fact, I rather thrive on it... much like how Gerald, Edward, Lee, and others here thrive on doing their own maintenance and giving advice on maintenance/repairs.
In short, it's all about YOU; what YOU are most comfortable with. Maybe I should have been a psychologist. That profession surely would have been less stressful!