We pay professionals to do major work to city code: roof replacement, gas line plumbing, bathroom gutting and rebuild, major HVAC work (e.g., new furnace installation). We’ll probably hire an electrician to replace the old, confusing circuits. We might have attempted at least some of the bathroom ourselves if it weren’t the only one in the house. We didn’t want to be without a functioning bath/shower for more than a week. Fortunately, these big projects have been few and usually far between.
Otherwise...don’t paint kitchen cabinets? Yeah, right. Husband and I painted our cabinets before he and a buddy installed them, after they’d gutted the old, crumbling, mismatched cabinets and counters. They rebuilt the entire kitchen, including plumbing, and replaced all the floors in the house, too. Husband and another friend installed siding on the house. We’ve painted all our own walls, and husband does all basic plumbing/electrical/HVAC maintenance.
(I’m not lazy, just not particularly handy. I handle the finances and budget for these projects.)