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.

The dangers and damaging health effects of vaping have been all over the media lately. More than 1,000 cases of a mysterious lung disease have been linked to the use of e-cigarettes, vape pens and similar devices, resulting in 18 deaths to date. We know that vaping has negative effects on the lungs, but we are only beginning to understand the impact of vaping on vision health.