It is not as hard as you are wanting to make it out to be.
Just get started.. $10 per week or whatever you can afford, and then look at the matter 10 years from now and see where you are at.
It can not be said hard to start, invest, or afford. I can say stay with "regularity or continue" then 10th years or something. The real problem arises when someone stops investing after a few months.