I am almost finished building a house - I was the contractor and did all the work that wasn't way over my head. I hired out the excavation, framing, windows, exterior doors, insulation, sheetrock and paint. I did the design, electrical, plumbing, flooring, ceilings, roofing, trim, cabinets and a bunch more.
Walls are R21, ceiling is R50. Even in the shop it's R19 & R45. At night I open some windows and it's chilly in the morning. When it's 90 outside, it's still still in the high 60's in the evening inside. I haven't needed heat or AC in several months. So far my highest power bill has been 115, when it was a month at 40-20 degrees. Everything but the stove is electric.