not only are you not late, historically you will be classed as an early adopter. not the earliest, but still well before bitcoin goes full mainstream.

i would, however, agree that you should not invest all your money. if you are able to, buy atleast 1btc. you wont care in 10 years whether you lost $600 if bitcoin somehow fails, (which to many seems much less likely than USD failing). you will care, however, in 10 years if you are then welathy enough to travel the world and do whatever the f else you want. bitcoin is the first worldwide currency