cnbc personal correspondent sharon epperson is joining us with more.ell, brian, about 40% of people say they'll be in financial survival mode this year. focused on just dealing with the day-to-day money matters according to fidelity, but many workers are trying the figure out the best ways to keep putting money away and maximize the retirement savings. >> reporter: 31-year-old angel tran works in cybersecurity, and her main focus is her own economic security. >> my top goal for 2021 is to be better about investing. >> she is saving as much as she can in the retirement accounts so she is well prepared later. >> i have to play catchup, and i can max out the investments. >> the most you can contribute to an ira is $6,000 and you can max out at $19,000 in the 401(k) and you can go up to $6,500 catchup over age 50. >> it is bigger risk, but it is a return. >> and the author of "not your money, but your life" and figure out what you can control in your financial landscape. >> where you pay to invest and where you put those investments and what type of accoun

sharon epperson with the latest on the personal finances thank you very much, we appreciate it.till on deck for the show, two charts that can tell you an awful lot about the market action happening right now we will reveal them. that's coming up next. >>> told's big number, 63% that's how many home buyers made an offer on a property in 2020 without seeing it in person, at urding to red fin th'sp 32% from the prior year at morgan stanley, a global collective of thought leaders offers investors a broader view. ♪♪ we see companies protecting the bottom line by putting people first. we see a bright future, still hungry for the ingenuity of those ready for the next challenge. today, we are translating decades of experience into strategies for the road ahead. we are morgan stanley. into strategies for the road ahead. labradoodles, cronuts, skorts. (it's a skirt... and shorts) the world loves a hybrid. so do businesses. so, today they're going hybrid with ibm. a hybrid cloud approach lets them use watson ai to modernize without rebuilding, and bring all their partners and customers tog

sharon epperson with a look at the disconnect and what should individual investors be doing? >> the pandemic and the political fallout over what happened at the u.s. capitol cannot keep the stock market down in fact some investors, particularly new investors, may be wondering how they can actually invest here with this disconnect as they are looking at their portfolios. for the most part average investors appear to be following major market participants. you know, about 68% of the stock market is made up of institutional investors. whether that's banks or institutional advisers or pension funds, and the rest is individual investors and many of those investors are investing in target date funds or using robo advisers dan egan, the direct orf behavioral finance at betterment says that may help to take some of the emotions out of investing, and though you have to remember, that before making an impulsive mood, always ask yourselves these questions >> are you excited is your heart beating a little bit fast do you feel a little bit of adrenaline nobody makes good financial decisio

thanks so much our sharon epperson talking markets today. >> my pleasure. >> you have covid cases atd highs jobs results disappointing how are the nation's governors reviewing this week? the governor of arkansas is joining us thanks for joining us. >> absolutely. it's good to be with you today. >> let's talk about d.c. first how are you viewing the fallout from the attack on the capitol, and what should happen to the president over the next 12 days? >> well, of course, i'm troubled like everyone else with what i saw in the halls of congress it's terrible for our democracy, for our image across the globe everybody who's visited the capitol has had the same reaction is how can this happen. clearly president trump has responsibility he brought those people there. he asked them to go toward the capitol. and that created the start of this scenario. and so what we have to do between now and the transition is make sure there's good checks and balances in place. the remedies that are being talked about whether it's 25th amendment or impeachment, they're really not practical remedies in my ju