It is always too late for those who have chosen it is too late for them. As far as I am concerned, it is a choice for everyone to make and the decisions you make will be based on how smart you are.

The thing with people is that they are always so in the habit of expecting that the market will always keep going up and when it starts correcting, they start coming with some bullshit theory on how the golden age is over, but in the real sense, they are just so confused they do not know what to think because they have decided to remain ignorantly confused anyway and that is one of the reasons they will never take advantage of opportunities when they arrive.