It is not too late and never risky to start buying now, if you were unable to buy way back when the price of bitcoin was $100. All you need to do is to check how much of your disposable income that you can use to bitcoin that it will not affect you from buying weekly or monthly using DCA method, to enable you grow and build your bitcoin portfolio. If you have a means of income, then you can sort that amount based on your own discretionary income. It is good that you have an emergency funds for back up at all time, so that whenever an emergency arises you don't need to go and sell part of your bitcoin investment to take care of it.

You can build your emergency funds along side as you are investing, and that is why you are to use part of your discretionary income to invest and the other part to build your emergency funds and reserve funds to help you hodli your bitcoin for a very long time, until you have reached your bitcoin target. To be a long term hodler, you need to be able to sacrifice and be disciplined in order for you to be persistent and consistent in your bitcoin weekly or monthly regular accumulation. If you can do this for 4-10yrs and above you will be happy that you decided to invest in bitcoin now, unlike regretting that you didn't invest way back.

Those who bought bitcoin during this last ATH hype from the lunch of bitcoin ETF at $73k, will not be at lost is they continue buying regularly using DCA every week or monthly. This is because they will have bought bitcoin down the road when the price reached $59k and back to this price that we are at 67k+ as I am typing this post, and their average bitcoin price will be within sixty-x thousand. It is if that investor only lump sum at bought once at $73k price that he will be at loss currently or he bought due to FOMO. This is why it is good to get prepared on a long term bitcoin journey in order for you to be able to buy using DCA irrespective of the price of bitcoin, because it reduces the risk associated to its volatile nature.