It's a good guidance but I think it's more complicated. We would all like to have a zen-like efficiency at all times and do such projects whenever we have free

It's a good guidance but I think it's more complicated. We would all like to have a zen-like efficiency at all times and do such projects whenever we have free time, but in reality it is usually far from that. I think most people would agree they have a bulk of time where they procrastinate and it would've been more helpful (even on a strict financial level) to just do the chore yourself at that time.