hospital but having to extend their trip by a week or two. i think international travel is going to be -- everyone has to make their own personal risk assessment. but i have traveled quite a bit over the pandemic and you can still have incredible travel experiences and get great deals. >> well, that's great to hear. ryan kelly, thank you so much for joining us today on the first day of the new year. >> thanks for having me. and the new year often brings with it resolutions to lose weight, to eat better and get a handle on your money. with big changes coming in the pandemic economy this year, cnn chief business correspondent christine romans is her with your financial checklist for 2022. >> your house, your job, your retirement. time to tick through your personal finance checklist. first, your home, likely your biggest investment. the fed signaled interest rates