A research report from the Investment Company Institute shows how well Americans are doing at saving. It seems most of us believe that the future will take care of itself. But that’s simply not true. Only 17 percent of Americans have a Roth IRA, the smartest investment tool out there. As an individual, you can put up to $4,000 into a Roth. If you’re 50 or over, you can put up to $5,000. So, if you’re married to someone over 50, that’s $10,000 a year socked away. The money you put into Roths is invested tax free, which mean you spend it tax free. You are not eligible for a Roth if you make $95,000 or more and as a couple if you both make $150,000 or more. For help, check out Clark’s Investment Guide.