Perhaps a fourth option for some jeepers:
"I don't have money to pay anyone so I have to do my own work."
I have a very good friend who spent his first career on aircraft carriers. He was responsible for keeping the aircraft airworthy.
He continues the travel the world in his second career and has become an avid offroader. However, he seldom touches a wrench and when he does it is usually to hand it to someone else. I once remarked that he could save a fortune if he did some of his own work. He replied, "Been there, done that. Its someone else's turn."
You need a third option in your poll @asstip.