People learn by doing, and often doing comes out of necessity - either stranded or financially driven - or both and of course some just like to do it. I fall in the financial driver slot fueled by necessity. Now, if I ever came into a lot of money, like lotto money, rest assured I would simply pay people to work on my Prevost while I have lunch and a beer in the cabana. Some folks who have a lot of money still like to do their own stuff. Hats off to you. I think in my younger years I also felt that way. Now that I am older, I am fine using my credit card as a primary tool. But - and this is important - I still could if I needed to on most things. Some stuff is still better left to the experts. The issue is finding an expert.