The Fidelity study reports that 56% were able to rise above their anxiety and make good changes in their personal finances. In other words, when Americans could have panicked over the decline in their retirement assets, they didn't. Better yet, they found a healthy dose of inner strength and managed to turn their financial picture around for the better.

"Emerging from the depths of the crisis, many investors found resolve and started taking control of their personal economy," explains Kathleen Murphy, president of personal investing at Fidelity Investments. "Whether it was increasing contribution rates to a 401(k) or IRA, adjusting asset allocation or increasing the frequency of financial discussions with family, the silver lining of this crisis is that it spurred investors to reassess and take action to improve their finances."

Apparently, Americans are well past the point of blaming bankers or politicians for the economic crisis.

That's in the rearview mirror, as 56% of survey respondents believe it is now their job to take control of their own financial situation. That same number went from being "scared" about the economy to being "confident" about their ability to weather the storm.

Whether it's more near-retirees beefing up their retirement savings, taking steps to reduce their personal debt or build an emergency fund, 78% of those surveyed by Fidelity say these positive changes are "permanent."

That's one silver lining coming out of the economic recovery playbook, and it comes at a time there's no margin for error among older workers looking for some financial stability in retirement.

"These positive behavioral changes found in the survey are significant, and we are seeing a similar trend with some of our workplace participants increasing their savings since the downturn," says James M. MacDonald, president of workplace investing at Fidelity. "We're starting to witness a more engaged individual emerge over the last five years, and we've seen some of the inertia that held many back start to dissipate."

If you liked this article you might like

Dividend Funds Need to Be in Your Life

Unlock the Secrets Behind Bitcoin Investing

Questions You Must Ask a Car Salesperson to Avoid Getting Ripped Off Big-Time

5 Surefire Ways to Destroy Your Marriage

Best States for Retirement in the U.S.