much money do they really need and where is the best place to really start? is it stocks or bonds? where is it? >> i like for somebody starting from scratch to do something simple where they buy one fund that handles diversifying their money for them. in fact, one of my favorites for somebody starting out from scratch is a fund called the vanguard start that requires $1,000 to open an account and diversifies your money across the world and across all different kinds of types of investments. so, that when with that first $1,000, you've invested, essentially, worldwide capitalism. >> some great advice. thanks, clark howard. >> thank you. he's accused of keeping three ohio girls captive in a house of horrors. now the prosecutor wants to try ariel castro. the legal case, coming up. ♪