Rick in GA

Although I have been fishing for almost 50 years and used a Texas Rig alot, I am just getting acquainted with the carolina rig. Currently I have a 3/4 oz brass weight and 2 beads above a swivel. Below the swivel is around 20" of line and a hook. Rig is a 6'6" Johnny Morris MH Rod and a Shimano spinning reel with 12 lb flurocarbon line. I have read many articles and watch videos on this but when I try to fish it I get moss and gunk on the worm at the head just like with a Texas Rig in the mossy part of the pond. Water is a 6 acre farm pond that I have pulled several 5 to 8 pounders from. Sometimes the rig get tangled up around the sinker. Questions: What am I doing wrong? Do I need a floating worm? This is supposed to be idiot proof and I can't seem to get it right. All help appreciated. :-[