It is never too late to invest in any market, the only people who see it as a late period are those who do not understand the long term benefit they stand to gain from the market and are so much focused on the negative side of things rather than seeing it as an approach to get in at a lower price.

No one knows about any golden age that has come and gone and for one fact, no one can see the future and obviously, dumb people will always want to come up with some unnecessary FUD or reasons why they feel they should not be joining the market, but in the long run, they are usually the same people who end up joining FOMO because they are so weak to make good decisions.