We want to turn to making the most of that stimulus money. With a new batch of $1400 payments starting to roll out this week the stock market has seen a surge from a lot of people deciding to invest their payment so Rebecca Jarvis joining us now. Good morning and told 85% of American households are going to debt this new round of stimulus so what do you need to be considering if you are thinking about investing it? Reporter: Hey, T.J., good morning. Nice to see you. The first thing you want to do is pay off essentials, that's what the stimulus is intended for so pay off the food and the shelter first. Then think about things like paying down some of your debts in particular those high interest rate credit card debts. They can be as much as 15% or even higher in interest and that just adds to your bills every month. Pay those down and once you've got that targeted, think about an emergency savings account, T.J. This is something where you set aside 3 to 6 months of living expenses in a high yield savings these are frequently the online savings accounts and you can make your money grow fast and securely so that you have it in the event of an emergency, T.J. So, Rebecca, we have seen an increase in small investors in the pandemic, so is this a good idea? So many options you can use with your stimulus check, investing it, is that a good idea. Reporter: It can be a good idea, T.J. It depends how you're thinking about this. First of all if you're betting on individual stocks you have to think about that as a hobby pwhere you can make or lose money very quickly. For long-term thinking like saving for retirement, consider something like a Roth or a traditional I.R.A. You can put up to $6,000 into last year, the 2020 tax year I.R.A. And still have time to do that and if you're 50 years or plus you can put up to $7,000 in last year's I.R.A., T.J. Rebecca, always appreciate your info, thank you so much.