Health insurance is costly and people without it are often forced into bankruptcy after a medical emergency. If you are able to find an affordable health care plan with reasonable premiums and deductibles, consider enrolling. If not, look into a health savings account. HSAs can have a triple tax advantage: The money going is pre-tax, the income that grows from that money is tax-free, and when the funds are used for qualified medical expenses, the distribution is tax-free (unlike a 401K).
It’s always wise to think about retirement. A good financial planner can point you in the right direction, as there are a number of investment and retirement vehicles to choose from. But the most common is a long term mutual fund or IRA. If your employer provides this option, and even offers a matching contribution, it is an easy decision. Otherwise, you can contact a financial planner about setting one up for yourself.