5 Ways to Invest in America Attention shoppers. CitizenSugar has some good news for you! In January 2009 Americans saved 5 percent of their disposable incomes. That's up from the .04 percent savings rate at the end of 2007. But as consumers hide, the economy continues to shrink. If you buy the argument that you should spend it if you have it, here are some suggestions of how you can help offset the lack of spending by those truly facing tough times.