I know you already got alot of good reply's but im going to give you mine anyway because i already typed it out and maybe it can help.

I definitely dont think its to late to join into crypto i actually think we are just getting started. There are lots of good ways you can get in and get a feel with little to no money. I started with very little disposable income and was able to build up a good portfolio within a a year. Just keep hitting the forums and learning you'll make it eventually.