HSA!! If you qualify, get one.

Recently I have gotten into personal finance podcasts. Nearly all of them promote the benefits of an HSA account(http://m.kiplinger.com/article/insurance/T027-C000-S002-health-savings-accounts.html)
I have found that a lot of trucking companies offer below average health plans. If your plan is a hdhp, you qualify for an HSA.
An hsa allows you to contribute 3500 a year, the contributions are tax deffered, so you can write them off at tax time, and it also works like a Roth account, where all growth is tax free.
Additionally unlike a flexible savings account you DO NOT HAVE TO WITHDRAW AT THE END OF THE YEAR. So you can treat this as a super charged IRA. You can withdraw money before 60, penalty, and tax free for qualified health expenses.
The one thing to be careful of, is to make sure you are not going to need this money. It has double the penalties of withdrawing from a regular IRA.