UT is right on the money with this one, especially if you are making a "band" record, where the players are all working for free. Self-produced albums take less money, and a lot more time. If you have to pay the players, the money you saved by self-producing gets eaten up by paying players to sit there while you figure out how to make a record.
I think everyone should at least attempt to produce their own first album. You will learn more about music, about your own playing and songwriting, than almost anything else you could do.
Then, I highly recommend getting pros involved on the second go round. You'll appreciate the difference.
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