here is the reality, in the next five years to come, people will come to this forum or on other platform to tell us how they regret not investing in bitcoin at an earlier year. It is never too late to start dear! You are just 20 and still very young so you have a whole bunch of time at your disposal so you can just buy as little bitcoin as you can afford and you keep accumulating them whenever you have resources to buying more of it. Buying bitcoin doesn't necessarily means you need to buy one Bitcoin at a time. With as low as $5 to $10, you can just start with that amount and as your income increase, you can choose to buy more of it. Just take your time and learn the basics now and understand that with time if you start accumulating at this time, before you even know you should have accumulated much
I second this. People who came to know about Bitcoin about seven to eight years from now and didn't buy because they thought it was already too expensive and they were late are extremely regretful of their actions today, and the same thing will happen to the people who are hesitant to buy today thinking that they are late for buying Bitcoins and it's already too expensive and they can't get much profit if they invest in Bitcoin right now, etc.
Indeed, someone might not be able to become a millionaire by investing in Bitcoin now since it has already got great value and it cannot multiply one's investment by a thousand folds or so, but that doesn't mean that it is too late to buy because one can still get great profits on their investments on it. So, it's never too late.