It's really never too late for LTC, in my opinion. Look at how stable it has been, I wouldn't consider it much of a risk to buy in now. I doubt it will go below $75 again, and that would be only if it were to "crash". Generally speaking, once LTC climbs up to a new number it does not come back down much. People thought it was too late to get in on BTC when it broke $3000. It sucks knowing that you could have made more, but in a month LTC could break $100.