I do believe, holding 0.1 Bitcoin will be considered a significant amount in the future. You can probably buy a house with that amount of Bitcoin.
It's worth noting that you can already buy a house in some third-world countries with roughly that amount... In addition to that, there's also the option of getting one of those tiny portable houses that are becoming popular in Western countries.However, for me being able to accumulate a whole coin, is already too late.
This part contradicts what you're saying in the subject field of this thread... It's never too late to start accumulating fractions of Bitcoin [eventually, it'll become a whole Bitcoin].- I'm not a trader, but I've seen so many teenagers who are claiming on platforms like YouTube to have a lot of success with trading (some of them are fake, but there are enough tools to check if they're telling the truth or not).
P.S. if any of you has a job opportunity for me to earn some small amounts of Bitcoin, write me. Maybe you have a company and need some help, doesn't matter what. I'm always interested in things like that. 
The following list might come in handy: Freelancing platforms which pay in Bitcoin