Start now...or else

I am writing this post out of frustration. I know way too many people that are not investing their money into stocks or mutual funds simply because they don't know how to start. This mindset will surely lead to financial instability in later years and will close doors to future endeavors and opportunities.
The BANK scam: Most people are content with putting their hard-earned $ into savings accounts, CDs, and money markets at their respective banks. In today's economy you will be lucky to find a 3% return on your $ this way. Why not take the extra step to open an account with an online broker such as TradeKing or OptionsHouse and began putting a portion of your earnings into some funds with the potential for 10 - 100% growth??? The banks are investing your $ in the global economy anyway and then returning it to you with a lowsy 3% interest.
Just Remember: Every day that you wait around for the economy to rebound or for an apple to hit you on the head or whatever it is you might be waiting for... you are closing doors to opportunities in your future.