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There will always be those who say it is too late and will probably continue to say so in the following period. But the question is why this is not an option against delaying starting so that people have a view to make a portion of investment. Bitcoin has made significant progress and will always be the best asset to invest in and regarding the delay in the process of starting can be a trigger for someone to continue collecting according to the capital capacity they have.
If today we have not started then how long will we say so while the opportunity is still quite open for anyone. Buy and hold bitcoin so that we can see the growth of assets getting better in the next cycle and that is one way to get better financial stability in the future.
Everyone is free to say anything regardless of whether they think it is too late or not. As long as they can afford it at the current price - then of course it's not too late, but what is certain is that they must be aware that they can only buy it at the current price which is considered expensive by most people. The point is that the price of bitcoin will continue to change all the time even when you and the rest of us are asleep - so it is clear that the market will not wait for us all to be awake because market activity occurs non-stop.
I don't always understand when someone says "financial stability" can be achieved by investing in bitcoin. Maybe I understand if they already have enough bitcoins stored in their wallet
[say 10 to 20 btc] - but how can someone who only has 0.001 to 0.01 bitcoin achieve financial stability in the future?