That depends, how far in the future, how big of an expense, how much interest can you earn, and what’s inflation looking like?
If it’s more than a couple thousand dollars more than a couple years out, you could possibly make useful money with a high interest bearing account provided inflation is expected to be less than about 2/3 of the interest rate of the account.
Time IS money.
Is IoT LTSC a viable replacement for a Pro install in a home enviroment? I do a lot of remote desktop work to access the machine. It’s either that or Linux with Proton to emulate Windows must haves at home.