It's more a matter of how you want to spend your your leisure hours than
how you want to spend your cash.
Exactly. Me, I value what little spare time I have and choose to use it doing fun things instead of drudgery.
And I've seen way too many DIY projects that never get completed, because it's never as simple or quick or easy or fun as you'd think or something comes up that throws your schedule off (weather, goofs, etc.) I spent more than a decade working in the home repair/remodel biz and I can tackle any project around the house. But there's some projects I'll hire out because I just don't want to commit my time/energy to it. A big fence installation would be one of them.