I started playing in the mid-90's while in college. I was a band geek long before that. As many others have said, I wish I started playing much sooner. My wife picked up the banjo a few years ago and we both were taking bluegrass lessons and really enjoyed it. But then I lost my job and we had to move away from the instructor. I'd like to start back with the lessons again but we haven't found a local instructor and with 2 kids, I've no idea where we'd find the time. About the only time I have now is when my 3 yr old says "Daddy, pway bu guitar!" Translated, that means... "dearest father, if you would be so kind as to entertain me for the next 30 seconds by strumming a melodious tune on that beautiful instrument, I'd be most grateful."
I have an old Ibanez EX electric, two humbuckers plus a single with a Floyd Rose. It runs through a Peavy 212 Classic Chorus. I also have an Ovation knock-off acoustic.
I'll also strongly recommend starting out with some lessons. Better to prevent bad habits than fix them later.