It is never late to start investing in bitcoin. However, take care and invest only quantities that you can afford to lose. If 10k USD is all you have, don't blindly invest it all in bitcoin, as it can lose a lot of value in short time. For long term investment I think it is less risky investing in bitcoin, but you need to be patient if bitcoin lose much of its value because it may as well take years to recover if it crashes hard after you buy it. Good luck!