Three-fourths of Americans say they've changed their financial habits since the financial crisis hit a decade ago.
A new NerdWallet survey found that 46 percent acknowledge they're more cautious about their spending. And 36 percent of those surveyed say they try to avoid incurring debt as much as possible. A quarter of Americans say they've limited the number of credit cards that they have.
But 10 years after the Lehman Brother' bankruptcy that spurred Congressional action to bail out banks, three…