Financial Carnival for Young Adults ' 39th Edition

Welcome to the thirty ninth edition of the Financial Carnival for Young Adults. My purpose with this carnival is to create an easy-to-find place for information about finances for young adults. The carnival is hosted here at 20's Finances almost every week and features the most recent articles from around the web. I hope you enjoy this edition of the carnival.

Lance @ Money Life and More writes Be Prepared for Paycheck Shrinkage on January 1, 2013 ' Sorry to break the news to all of my American friends but starting January 1, 2013 your paycheck will likely be 2% smaller and that is on the conservative side. It could be even smaller than that! So what am I talking about and why should you care?

Ted Jenkin @ Your Smart Money Moves writes How To Rollover An Old 401(k) Plan ' Why do you need to know the details on how to rollover an old 401(k) plan? The average person holds 11 jobs from the age of 18 to 44, according to the Bureau

Darwin @ Darwin's Money writes The #1 Thing You Need to Be Successful in Life (That Nobody Talks About) ' Success at anything ' life, career, finances, you name it ' depends on this one single thing. And it is rarely talked about.

PITR @ Passive Income To Retire writes Passive Income Challenge Update 1 ' Learn more about my multiple streams of passive income and which source of income is the best.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHAT IS THE FISCAL CLIFF? ' How the Fiscal Cliff will raise taxes. Financial wealth building strategies to cut your tax bill.

IMB @ Investing Money writes Diversification: Everything you Need to Know ' Find out everything you need to know about investing diversification for your portfolio.

Hank @ Money Q&A writes Buying A Purebred Dog Is Like Buying A New Car ' There are a lot of things that you must consider before buying a purebred dog. It is a lot like buying a new car with all the considerations that you must take into account. Here are some tips.

David Carlson @ Young Adult Money writes Why You Need Health Insurance ' A surgery or overnight stay at a hospital can run in the tens of thousands of dollars. If you don't currently have health insurance, consider getting it to take away the risk of unexpected medical bills.

Teacher Man @ My University Money writes What if Your Degree Doesn't Match What You Really Want to Do? ' Do you abandon your education in favor of what it is your really want to do, and waste thousands of hours of study and tens of thousands of dollars? Or do you just ignore what it is you really want to do? It's a tough choice no matter which way you go.

Jason @ Work Save Live writes Understanding the Basics of Deferred Annuities ' What is an Annuity? By definition, an annuity is: A fixed sum of money paid to someone each year, typically for the rest of their life A form of insurance or investment entitling the investor to a series of annual sums.

Jason @ Live Real Now writes Giving It All Away ' Monday, I start a new job, but I wasn't actively looking for a new job. In fact, over the last month, while I wasn't actively looking for a new job, I've had 5 job offers. Solid job offers. Some of them came after I announced I was leaving. How does that happen?

Miss T. @ Prairie Eco Thrifter writes Road Tripping Alone: How to Do It Well ' Here are my proposed tips on how to make driving alone a lot less lonely and boring.