Upon completion of a thorough eye exam, your eye doctor may have mentioned that you are nearsighted or farsighted, or even diagnosed you with astigmatism, then handed you a prescription for eyeglasses.

After landing your first “real” job and renting your first apartment without roommates, you’re finally starting to feel like an adult. However, despite the fact that you’re earning good money for the first time, you’re still not quite sure what to do with the funds coming in.

It’s normal to feel financially lost in your 20s, but the decisions you make now will affect your finances for years to come. Instead of letting your money sit idle or spending it as fast as it comes in, take these steps to set yourself up for a secure financial future.

Did you know that you can pay for medical expenses with pre-tax dollars? With an HSA (Health Savings Account, available to US taxpayers who enrolled in a high-deductible health plan) or an FSA (Flex Spending Account, often available as part of your employer’s benefits package), any funds you contribute are not subject to federal income tax.