The markets have closed a bit lower than I expected yesterday, the economy is having mixed feelings about whether it is a bull or a bear so it is difficult to classify it. However, now is still the best time to get in the markets given that their are so many Fortune 500 companies that are undervalued.
There are many ways to get started in the markets, even if you don't have a lot of money. If you are considering investing without a lot of money to use, then you should consider investing in an index fund that allows you to take advantage of "dollar cost averaging". This allows you to invest what money you do have versus putting it in your savings account earning less than 2%.
If you are not investing on your own, then there better be a good reason because dependence on Social Security is not feasible for a comfortable retirement. Begin investing on your own, besides the typical 401k through your employer, ...the markets are down and it is a once in a lifetime opportunity to invest in companies such as GE (currently trading at $13.60/share), or Ford Motor Company (currently trading at $6.38/share), just to name a couple.