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Chris Hill: Hey, everyone! Thanks for watching! I'm Chris Hill, coming to you from Fool Global Headquarters in Alexandria, Virginia, joined by senior analysts Jason Moser and Ron Gross. Thanks for being here, guys! Ron Gross: Always a pleasure! Hill: We're going to be taking your questions about all kinds of stocks. But first, we're going to be talking about one of the questions we get most often here at The Motley Fool: "How do I get started investing?" We're going to be talking about things to do to get ready to invest. The guys will each have a starter stock to recommend. And if you're looking for even more detail in print form, we've got you covered. You can go to fool.com/start. We have an investing starter kit with a lot more details and five additional stocks to check out. It’s free. You can find it at fool.com/start. Ron, let me start with you. A recent Gallup poll, barely 50% of Americans are investing in stocks. Gross: That's not good. Hill: It's a little disappointing -- Gross: [laughs] It's a shame, really. Hill: -- not just because of what we do for a living. Let's start with how people get there. First thing right out of the gate is, you've got to get your personal finances in order. Gross: For sure. You have to get your financial house in order. Two big things come to mind when I think about that. You don't have to think of a 100-thing checklist. First one is, build up an emergency fund. If things get bad -- and that means different things to different people, but, let's say, if you lose your job, or whatever -- you don't have to turn to the liquidation of stocks to pay your essential expenses. Not your luxuries, your essential expenses. We typically say, build up an emergency fund of three to six months. Now, six months can sound a little bit daunting; and, quite frankly, I think it is. It's hard for a lot of people to save six months' worth of essential expenses. So, start with three. Build up over time towards six, if you can. You will read some financial press that even says a year would be best; but, again, that's pretty difficult, to save after-tax money to that extent. But, get yourself an emergency fund before you start to commit money to the stock market. Second of all, pay down high-interest card debt. If you're paying 15% to 20% on a credit card -- let's say you have one that's 18% -- it may not feel this way, but every dollar you pay back of that 18% credit card debt, you're actually earning an 18% rate of return, a rate of return that is likely higher than you'll earn in the stock market. So, by far, that is the best thing you can do for your financial health, is to get rid of that high-interest credit card debt before you put money...