No ome is ever late for cryptocurrency so congratulations for being able to discover it as soon as now and welcome aboard. Read as much info as you can in this forum so you can also learn how crypto works.
Yes, this is true. Things are not too late as they think. Perhaps most people think bitcoin is a picture of success and wealth. However, there are many pennies that can bring you huge profits. There are always new breakthroughs in a short time. Ripple or Doge is the most obvious.