bmb,
Like everybody else has said, right now I think you are having trouble identifying proper tinder. Personally, I don't care for pine needles, as they usually are too thick and too wet to be a good tinder. (Great for making smoke on an existing fire, though!)
RescueRiley's 3 F's (fine, Fibrous, or fluffy) is great. Fire needs fuel air and ignition. In order for your ignition source (your fire steel) to light your tinder on fire, it has to be TINY. You couln't light a 2x4 on fire with a match, because the volume of the fuel was too great for the tiny flame to raise it to the necessary temperature.
Rather than telling you specifically what tinder to use, here is a test. If you gather some natural material, like bark or thistle fluff, and are curious if it is dry enough or fine enough, try lighting some with a match or lighter. If you really have to hold the flame under the tinder for a while before it lights, it will give you fits trying to light it with a ferro rod. You may be able to redeem it by shredding or pulverizing it so that it has fine fibers to catch a spark. Try it again with a match. If it catches right away, you may have good tinder for your ferro rod. After a bit of practice like this, you'll get the hang of what good tinder is.
It is a good practice to carry some prepared tinder with you, and practicing with them will help you get the hang of using your fire steel. That being said, learning to identify, evaluate, and prepare natural tinder is an important firestarting skill. You'll have this in no time.
-- FLIX