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.
True, I could say bitcoins value today is only on 40-50% of its potential to grow that is why a lot of investors are still holding their coins which makes small time investors doubtful for buying but life is full of risks and choosing to invest in bitcoin would be in favor in your odds most likely.