re: 401k or Roth?

Roth is after tax dollars. So its dollars from your paycheck that have already been taxed. You can withdraw them without a tax penalty after 5 years.

401k is going to be pre tax, so eventually, when you retire, you will pay income tax on that money. Or if you withdraw early, you pay an additional penalty.

If they're willing to match both, I'd max out the Roth if you don't have enough to do both but when you make enough money, take advantage of both setups.

401k max is like 20k/year right now, Roth is going to be 6k.