If you can put money into an HSA account if you qualify and/or make a deductible contribution to a traditional IRA if your income allows it.
See this IRS link for Traditional IRA deduction limits when covered by a retirement plan at work.
https://www.irs.gov/Retirement-Plans/IRA-Deduction-Limits
For a 2021 contribution the phase out for the spouse covered by the plan starts at a MAGI of $105,000-$125,000 on a joint return and for the spouse not covered it starts at $198,000-$208,000.
See the publication for the full details.
The maximum IRA contributions for 2021 is $6,000, or $7,000 if you’re age 50 or older by the end of the year; or your taxable compensation for the year which ever is less.
(Taxable compensation is generally wages that you worked for - W-2 or net self-employed income minus the deductible part of the SE tax, but can include commissions, certain alimony and separate maintenance, and nontaxable combat pay ).
See IRS Pub 590A "What is compensation" for details:
https://www.irs.gov/publications/p590a#en_US_2018_publink1000230355
