Right. Don't put the carriage before the horse. If you have living expenses taken care of and time to spend then you can create something. It does not take investment to get started. Don't think about it too much and just make something.

... or as Guy Kawasaki put it (http://www.changethis.com/1.ArtOfTheStart):

"GET GOING. Start creating and delivering your product or service. Think soldering irons, compilers, hammers, saws, and AutoCAD -— whatever tools you use to build products and services. Don't focus on pitching, writing, and planning."

i.e. make something first.

yeah, for your age, you don't need an investor until you need lots of servers. So get lots of users then investors will be easy.

You need investors when you need heavy funding. For now just live with your parents or wherever and make a prototype. From there you might be able to convince an investor that this is the next big thing. If you are hosting a website, then start it up, and show it off.

Hell I am 24 and I am not waiting for an investor to make my company a reality. If it fails, who cares, I got many years to try again :)

Right on.