Investing is something that was ingrained into Clark at a very young age. His father, who worked on the floor of the New York Stock Exchange as young man, taught him how to read stock charts as a child.

His father researched companies exhaustively -- in a pre-Internet age -- to make decisions on buys and sells. And he did well until his death in 1989. But Clark took that knowledge and went in a different direction.

Instead of making choices about individual stocks or paying someone else to do it, he just buys the entire marketplace with an index fund.

Clark particularly likes a Total Stock Market Index (TSMI) where you can own tiny slices and dices of the top publicly traded companies. TSMIs are available from Vanguard, Schwab and other financial institutions.

The consumer champ has always believed that if you look at the math over time, simply buying the market will beat the return of what a professional manager can generate. Now he has the hard numbers to prove it.

A new Standard & Poor's study found that during the last 5 years, index bond funds beat managed funds anywhere from 92% of the time to 98% of the time, according to The Wall Street Journal.

Remember, when you buy a mutual fund, you pay a management fee. But with index funds, the management fees are negligible. You're not paying some brainiac's inflated salary to make individual picks. And that means more money for you.