The origin of life on Earth occurred in four stages: 1) Organic molecules like nucleotides and amino acids formed spontaneously in the early reducing atmosphere of Earth. 2) These organic molecules polymerized to form RNA and proteins, which took place on clay surfaces. 3) The polymers became enclosed in membrane vesicles formed from phospholipid membranes. 4) The membrane-bound polymers acquired cellular properties through chemical selection and mutations, leading to the RNA world hypothesis where RNA carried out information storage, catalysis, and self-replication before DNA and proteins evolved.