I've already got a deferred comp account at work that lets us invest in what they consider safe funds. Acorn Fund, Ariel, and Fidelity Fund are some of mine. That is where most of my retirement money (that I can self-direct, anyway) is held. I can't get at it until I retire.
I'm just kicking around the idea of opening an account, searching for a few stocks I like, and see if I am any good at making trades. If I get lucky, I'll probably sock away a hundred bucks or so a month when I can afford to and see where it takes me.