A little more than a year after the worst of the financial crisis, many Americans are slipping back into their old saving and spending habits, according to a new study commissioned by the online investing firm Scottrade.

While 63% of Americans said they were concerned about the overall state of financial markets in 2009, just 45% said they were concerned in 2010. Nervousness and fear about retirement dropped from 55% who were nervous or afraid last year to just 40% this year.

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