In other words, your lens restricts the light. Larger the opening, the lower the F-stop. Vise versa for higher f-stops.
The kit lens is great for the price, but if you're into shooting moving objects (sports, etc), or want a more crisp image, an upgrade is required.
I bought a 70-200 F2.8 L lens, and although I hoped for more sharpness, the speed is what surprises me. I shoot a lot of action sports so I need the fast shutter speeds, often in low light.
I'm also buying the 24-70 F2.8 L this week.
Also, I may be blabbling here, but you don't need to buy top of the line lenses to get impressive images. Don't feel you need the "L" lens to get a quality picture. I buy them because I take mine dirt biking, sledding, hiking, mountain biking, and whatever else I end up doing where weather sealed, and durable construction are required.
Ok, I'll shut-up now.