You have to look out for both the short-term and the long term.
You need to find out how to get out of debt, first and foremost, even if it's debt from a home loan. It's equally as important to build up your emergency fund somewhere where you're not tempted to use it but can still get a healthy return on your money.
You also need to be looking toward retirement. Make sure that contributions are coming directly out of your paycheck and heading straight toward your 401k or IRA. If you can pay off your debts and fund your retirement properly you'll have smooth sailing.