I think it is never too late to invest in the future, as crypto IS the future 
It is always good to invest some of your income, maybe just 10%, and be patient. But it is best not to invest more than you can afford to lose guys.
Investing 10% in cryptocurrencies is completely reasonable, I have seen some people recommending percentages as low as 2% but unless you have a lot of capital that percentage is too low, also you may invest more than 10% but now your exposure to cryptocurrencies will be too high and unless you are a long term investor investing so much money is probably not a good option.It is always good to invest some of your income, maybe just 10%, and be patient. But it is best not to invest more than you can afford to lose guys.