My experience with the psychological barriers to investing, because the logistical barriers are not the real obstacle for most people.

Logistical barriers are solvable: which brokerage, which fund, how to set up the account. These have clear answers and anyone can find them in an afternoon.

Psychological barriers are harder:

• 'The market might crash right after I invest.' (True. It also might not. Time in market beats timing.)
• 'I'll start when I have more money / pay off debt / understand it better.' (The starting condition never feels right, and delay is the expensive choice.)
• 'I don't deserve to have savings.' (Common in people who grew up without financial stability. Worth examining.)
• 'I'm already behind so why bother.' (Starting at 35 still produces dramatically better outcomes than starting at 45.)

The logistical guide takes 30 minutes. The psychological barriers can take years if left unexamined. The second is harder and less often discussed.