Those people that have missed the boat are actually the ones that have heard of the Bitcoin when it had still very low-value but they didn't believe in it back at the time. They were probably smiling at the stupid coin that the Satoshi created. This stupid coin is today in a big quarrel with the authorities because of its unlimited power. It is striving towards the implementation of the economy of the global population and it will not stop.
The price of the 20000$ is just a beginning of something spectacular. Afcorsee it is not too late to invest!
Financial stability is must have as a certain factor before investment.
If that same stability is secured no one can stop you to gain some profit afterward based on your smart investment into the Bitcoin.
We will not become billionaires but we will for sure have some big amount of the beer money afterward; some may even buy a pub!