Not late, if anything it is still early into the life of bitcoin as it is slowly creeping into the masses and at that point it still won't be too late so if you can afford it now why not go ahead.
That's a good idea if right now you have a huge amount of money then you can really buy bitcoin, and forget that feeling of being late buyer of bitcoin. In digital currency price is not stagnant, so when there is life there is hope and with bitcoin as long as the system is still alive; you should be positive and expect it's price to grow and riae higher. Although this currency has a volatile character, but the chance of bigger profit is really there to benefit us.