I definitely believe it can be worth it monetarily. But to me it seems like such a maze of which cards to get, what point transfers to do. When it comes down

I definitely believe it can be worth it monetarily. But to me it seems like such a maze of which cards to get, what point transfers to do. When it comes down to it, I don't even travel that much. Churning cards. One of my friends has a bunch a points that are going to expire, or there's point inflation or something? I may waste my time on other things (like on hn, lol) but I don't think I want to spend it on that.