Get ready for a fresh look at personal finance from fresh faces this New Year. By Stacy Rapacon, Online Editor January 6, 2012 Welcome to 2012! You may have noticed a few new faces hanging out among the headshots (and bylines) here at the Starting Out column over the past few months. Get used to them. They'll be offering even more great money tips for fellow twenty- and thirtysomethings in the New Year.See Also: Our Starting Out Archives We at Kiplinger have long believed in the power of sound, actionable personal-finance advice. Especially in these difficult economic times, when systems seem continually faltering and leadership is lacking, we espouse self-empowerment: By understanding your options and following a few basic principles, you can take control of your own money matters and attain financial success no matter the economic environment. In the Starting Out column, I have written with these beliefs in mind for the past couple of years, focusing on a younger crowd and the unique personal-finance issues that people in their twenties and thirties deal with. I have so much material in this area, in fact, that I needed to bring in additional columnists to give this content the attention it deserves. Luckily, Kiplinger is staffed with many capable young writers who are happy to share their own starting-out experiences. Our goal is to help you, as fellow twenty- and thirtysomethings, cope with the many personal-finance issues our generation faces today, even as we struggle with them ourselves. We understand the challenges: mounting debts, both personal and national, and seemingly unending un- and underemployment, to name a couple of biggies. But we believe financial success is still within reach. And we're not alone -- according to a survey from deal site CouponCabin.com, nearly half of American adults expect 2012 to usher in better financial times for them. Advertisement We admit that success for us may look a bit different than it has in the past. The turmoil of recent years has rattled the American dream and left us younger generations to consider that perhaps classic goals -- getting married and having children, owning a home, working for a single employer with the promise of a pension in retirement -- may no longer be the ultimate aim. But that's okay. We have the opportunity to learn from past generations' mistakes and successes, and we celebrate the chance to rethink and redefine our individual financial journeys and goals. Through this column we, the Starting Out Kiplinger team, hope to explore these exciting challenges and opportunities with you as we all work toward a brighter financial future. And we welcome your questions, thoughts and feedback. Please keep in touch with us via Twitter: @SOKiplinger. Or e-mail us at StartingOut@kiplinger.com.