Discretionary travel being postponed would provide more bang for the buck than postponing locking in some insurance coverage now.

The US health insurance costs will be higher in 2022 — as the healthcare sector pricing is set up such that its inflationary hit is lagging that of the economy as a whole. So better to lock in health insurance sooner than later.

The travel picture is such that value for money spent on travel nowadays seems to be more about “pay more, get less” than was usual before the pandemic. So waiting for bargains — and delaying immediate gratification until better value for the travel money is to be found — has its rewards.