SID 6581 w/ Uno basic questions

So this is the information I found: "Maximum audio output level is approx. 3V p-p at a 6V DC level. A 1k? resistor should be connected from AUDIO OUT to ground, and a 1-10µF electrolytic capacitor should be used for AC coupling."

Right now, I'm using a cheap mono earphone, like the kinds you would get in those Radio Shack X-in-one project kits. How would this be connected correctly to the audio out pin? And what is the issue with attaching a speaker? Feel free to just direct me to what materials I need to read to understand what is going on here if the answer is long.

Looking at the schematic on this site, the audio out is connected to that 1kOhm resistor, and then to a polarized 4.7uF capacitor, which goes to an RCA jack, right? So if I connect audio out to a 1K resistor to ground, and also to the positive end of the 4.7 uF cap, then to an earphone, then to ground, is that correct? Remember, I'm pretty new at this, so I apologize if I'm asking stupid questions.