Your paycheck doesn’t stretch far enough, and the stock market routinely clobbers your retirement account. You may not feel financially secure, but in many ways your money is a lot safer than it was a decade ago.

The financial crisis of 2008 and the subsequent recession prompted a bunch of reforms that are helping you keep more of your hard-earned cash, even if you’re not always aware of the safeguards.

In my latest for Nerdwallet, five of the most important changes.