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NEW YORK (TheStreet) -- There were many reasons why the market got pummeled today, Jim Cramer told his Mad Money viewers Friday. Cramer said some investors were simply taking profits while others attempted to avoid the "sell in May" crowd. Still others fretted over's (AMZN) - Get, Inc. Report earnings.

But when it comes to next week's game plan, Cramer said all eyes will continue to be on Ukraine.

On Monday, Cramer said he'll be watching Corning (GLW) - Get Corning Inc Report, a value name in the tech sector that's up 16% so far this year, and Herbalife (HLF) - Get Herbalife Nutrition Ltd. Report, the embattled nutritional supplement company that's in a war with activist investor Bill Ackman.

For Tuesday, Cramer's eyes will turn to 3D Systems (DDD) - Get 3D Systems Corporation Report, down 46% in 2014, and Twitter (TWTR) - Get Twitter, Inc. Report, down 35% Cramer said if these names get hammered then it's "look out below" for all the high-multiple stocks.

Next, on Wednesday, it's Time Warner (TWX) and Actavis (ACT) - Get AdvisorShares Vice ETF Report reporting. Cramer said he'd be a buyer of Time Warner, but is only watching Actavis to see how other high-value health care stocks may do.

Thursday brings earnings from MasterCard (MA) - Get Mastercard Inc. (MA) Report, a stock that's already down a lot but could be down even more if there's backlash from Russia, and T-Mobile (TMUS) - Get T-Mobile US, Inc. Report, which may be a buy if it gets hit after it reports.

Finally, on Friday, Cramer said he'll be focused on Chevron (CVX) - Get Chevron Corporation Report, a stock he continues to recommend.

The Selling Isn't Done

Until we see some mergers and acquisitions or some strong insider buying, the software-as-a-service and early-stage biotech cohort will be in for a lot more pain, Cramer told viewers.

Cramer said with venerable names like Facebook (FB) - Get Facebook, Inc. Class A Report, an Action Alerts PLUS holding, and Gilead Sciences (GILD) - Get Gilead Sciences, Inc. (GILD) Report delivering flawless quarters only to see their shares get hammered, there's little hope for many of the recent initial public offerings that shouldn't have come public in the first place.

"The selling isn't finished," Cramer continued. Many insiders with locked-up shares are now in these names are now shorting other similar stocks as a hedge against their own. This weird yet common practice happens all the time and only puts more pressure on already struggling stocks.

Cramer said the the software-as-a-service, or SaaS, stocks should be renamed software-as-a-disservice to your portfolio, which would give them the appropriate acronym SaaD.

Follow the Money

Money is not leaving this market, it's just finding a better home, Cramer told viewers as he commented on the rotation out of the momentum names and into more traditional blue-chip stocks.

Cramer likened today's markets to those in March 2000, when money flooded out of the profitless dot-com names and into value names that reward shareholders with buybacks, dividends and acquisitions. Today that same pattern is happening, Cramer continued, as investors leave any stock that's valued by sales instead of earnings.

Stocks like Alcoa (AA) - Get Alcoa Corp. Report and PPG (PPG) - Get PPG Industries, Inc. Report have held up well in this selloff, Cramer noted, as the markets reward any company with real profits that's willing to return those profits to shareholders. That's why Apple (AAPL) - Get Apple Inc. (AAPL) Report, an Action Alerts PLUS name, soared, while (AMZN) - Get, Inc. Report tanked.

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Make no mistake, there's more pain to come in these momentum stocks, Cramer concluded, but those that care about their shareholders will reap the rewards.

Cramer's Playbook

For the next installment of "Cramer's Playbook," Cramer shared his many years of investing wisdom to answer the question of whether a traditional or Roth IRA is the way to go for someone in the 28% tax bracket.

Cramer explained that with a traditional IRA you contribute pre-tax income, then pay taxes when you withdraw the funds in retirement. Roth IRAs work the opposite: You contribute with after-tax income, then never have to worry about taxes again.

As a general rule, Cramer said he likes the Roth IRA for those in the 25% tax bracket or lower because investors can take advantage of that low tax rate and pay their taxes now and won't have to worry in the future. The lower your income, the lower your tax rate and the more a Roth IRA makes sense, he concluded.

Lightning Round

In the Lightning Round, Cramer was bullish on Baidu (BIDU) - Get Baidu, Inc. Sponsored ADR Class A Report, Brunswick (BC) - Get Brunswick Corporation Report and SandRidge Energy (SD) - Get SandRidge Energy, Inc. Report.

Cramer was bearish on Genomic Health (GHDX) - Get Genomic Health, Inc. Report, Molycorp (MCP) and Epizyme (EPZM) - Get Epizyme, Inc. Report.

Off the Tape

In his "Off The Tape" segment, Cramer sat down with John Stein, co-founder and CEO of the privately held Betterment, an online financial adviser and asset manager.

Stein said that he found most financial Web sites too complicated for average investors to use, which is why he created Betterment to provide a "delightful" experience with great returns. Investors can start with any amount and get end-to-end service from great advice to active management and even tax accounting all included.

Stein said that Betterment has a simple and fair fee structure ranging between just 0.15% to 0.35% and has real people investors can phone or email when they have questions.

Cramer said that Betterment is a Web site that all investors should check out.

To watch replays of Cramer's video segments, visit the Mad Money page on CNBC.

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-- Written by Scott Rutt in Washington, D.C.

To email Scott about this article, click here: Scott Rutt

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At the time of publication, Cramer's Action Alerts PLUS had positions in AAPL and FB.