Base of its current price compared to its past price then we can say that its too late to buy bitcoin, bitcoin is very cheap when it first traded to the market but now look at its price it rise very high,and it needs a lot of money to buy bitcoin, so it is really too late to buy bitcoin today, but still there is a chance of earning if we buy it and wait till it will go above 150k$ but we need to take a big risk to earn.
It's never too late to buy bitcoin because bitcoin is still growing and the price might reach $1m in future because the price of bitcoin increases overtime and more people are adopting it which will make the demand higher than the supply in future. The halving also gives bitcoin an opportunity to reach a new ATH based on history. Bitcoin is at $95k+ does not mean that it's very expensive and you are to have such amount to buy one whole bitcoin.
You can use DCA accumulation strategy to buy bitcoin every week regularly with part of your discretionary income for 4-10 years and above.