How do y'all make your own covers?

So I've seen on here where people make their own book covers. How do y'all go about that? What programs do you use? Are y'all just insanity talented (bc I have 0 artistic ability 😅) I'd like to try my hand at it. Way more than likely that I'll go to a professional when my novel is done but it's cool/motivational to have a placeholder cover in the meantime.