<human>: Summarize the given text in a few sentences.

Hi Fellow PFer's,

To start I'm a college graduate with little to no debt (25 yr/old male) and I make good money starting to save with a new company I started at a year ago.  Just unlocked the ability to have a 401k.

I have a question that has gone unanswered for too long so I thought I would ask it here.  My company runs a 401k which does not match, and instead puts nice profit sharing deposits directly into the program.  I'm capable of saving approximately $20,000 a year based on my current spending and approximated future costs (car, house, women, etc).  What I do with this money is up in the air.  Since my company doesn't match, there is no obvious incentive to invest in a 401k with my company.  I can do anything I want with this 20k in terms of investing.  Currently I make under the maximum for starting a Roth IRA.  I believe that number is around 120,000.  So as an example, would a good retirement plan be that I max out my Roth IRA contribution every year (5,500) and send about $100 of my paycheck (Paid weekly) to my 401k?  This way I would be saving about $6,760 into my 401k (before taxes of course) and $5,500 into a Roth IRA.  $12,260 total.  Not bad right?  The rest I could put into a low risk money market or CD as a way to increase liquid assets.

OR should I be putting as much as possible into a 401k until I can max out my contribution (about 18,000/yr) and then put cash into a Roth IRA?
<bot>: Which retirement option pays out best dollar for dollar for a 25 year old who plans to start pulling it out when I'm 70:  Roth IRA or 401k.  Thanks