No idea how much research you have done, but I suggest you look into how big this could possibly go, 2017 could well be seen as the early lucky days for those getting in when the 2020's arrive, but of course they could tank as well 

What I am finding strange and at the same comforting about the bitcoin is that so many brainy people and  business types are now starting to speak highly of bitcoin while the mainstream are still scared to death of it. I now find it amazing that so many people will have have 5 or 6 figure sums in banks with no worries and yet they still question bitcoin, the most honest fiat currency of the lot IMO.

It is very possible that you are far from being too late, just look at this forum for example and the size of it's membership, there is a lot of interest out there. I am never going to tell anyone of here how much bitcoin I have except that it is one or above, and if I am correct there is only 16 million of them out there, just think about the numbers and possibilities , research research and research and then take a calculated risk if you are happy without going All in