What kind of problems are they? What field? I understand what you are saying about pay. But here is the counter argument for it - say you have 3 problems to so

What kind of problems are they? What field? I understand what you are saying about pay. But here is the counter argument for it - say you have 3 problems to solve, that can be solved with software. You don't have time or patience to code it yourself, but you know your peers and friends also have the same 3 problems. If you can clearly write down the requirements, I think there will be programmers who will be willing to work on the problem - especially if they know there are people who want the problems solved and there is a possibility of turning it into a side project or a business. Maybe you could pick a handful of the problems, post them here and see if there is any interest?