Not to mention that some of these things get easier once you have the skills for them. E.g. I've been buying my own health insurance on the open market since I was 22 - now in my early 40s, it takes me maybe an hour or two to fully compare a handful of policies and choose the best one for me and my family (even doing calculations, etc). This is vs having to immerse myself in it for a whole evening (4-5 hrs) and then agonize about it for the next week or so like I used to do back in the day (and only for myself)