It shouldn't be on anyone's list of ways to save or make money if they're not capable of organizing a basic spreadsheet, and if you don't have a solid understanding of the world of credit and finance, as well as the willingness to learn the ropes of how to get higher returns for your time and credit score, yes the juice is not worth the squeeze.

My returns have been anything but marginal, but I devoted a lot of time early on to reading it as a hobby and curiosity. Like everything else, if it were super easy everyone would do it--but I'll say it's not THAT hard to get really decent results for marginal organization. 20 hours of startup reading and you're looking at free flight and hotel vacation in perpetuity most places on the globe every year once you get going, on-going time is an hour or two a quarter at most.