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.
In fact, its not too late to buy bitcoin but you buy now more bitcoin and sell it in the future. In addition to that, if you buy now more bitcoin there is possibility that you could become millionaire or billionaire in the future. And having bitcoin is very nice and it will help you to sustain all your need so what you waiting for buy now more bitcoin and become next millionaire in the future.