i think it is, because in the year 2011 you can buy a Bitcoin for only 4$ and if you buy 100 Bitcoin before and you still have it now , then you are a millionaire , and if you buy bitcoin now it's late, because the price of BTC now is expensive
My friend theres no too late of everything as long as you have money to buy bitcoin.Their is no problem about buying cyrpto coins beacuse it depends of what an income have to make it more balancing of what an income we got for crypto currency.