Gap year or master

I am 22, finishing my bachelor degree in 1,5 months and now have to decide if I want to take a gap year or if I want to start my masters right away. I know which master I want to do and already got admitted to the university. The only thing is that I always have wanted to travel after my bachelor, because traveling the world is really fulfilling for me.

The problem is that I don’t have lots of money. So I was considering work and travel in Australia, but I have heard that can be quite difficult. Otherwise, of course I could first finish my masters, work for a bit and then travel. However, for me this sounds risky as you are never ensured that traveling is still an option in 2 years, due to political situations, health, etc.

I have to make a decision now as soon as possible, but I feel really stuck and am scared of missing out somewhere.

Anyone who was in the same situation, maybe a few years ago and had some advice? It would really help!