I started hearing about Bitcoin in the summer of 2016, but I waited until this year to start investing, and thought I was too late to the game. But since I bought my first Bitcoin (portion of a Bitcoin really) the price keeps steadily going up month over month, and if you are paying attention to the swings, you can buy at more favorable times (like right after governments and CEOs say and do things that introduce FUD). Not suggesting day trading crypto - you might as well learn how to count cards or go play Poker at a casino - but if you're in it for the long game, realize the price has been rising at levels which far outpace the stock market and other investments available to those of us who don't invest full-time or have millions to invest. So, no, I don't think you are too late.