Does anyone else 2.4 make this noise on cold starts when?

2009 tsx with 165,xxx miles. Bought used at a Honda dealer in August 2024. Started noticing this noise ever since it got colder outside. Only happens on cold starts in the morning. Research says VTC actuator but want to get a second opinion to see if it’s an important fix or if I can live with it. At the moment don’t really have the money to go and get it fixed.