It’s not too late to buy bitcoin tho, you can buy any amount that you can afford at the moment because bitcoin is still going far. It’s not stopping anytime soon.
Of course Bitcoin is a continuous investment there is nothing like too late when it comes to Bitcoin investment, all you just need is to setup a good investment plan for future purposes.
because Bitcoin is always good when plan very well and have a reserve fund aside from your Bitcoin investment so that Incase if any emergency comes out along the line would be able to settle it without touching your Bitcoin investment.You are mixing up the meaning of a reserve funds and an emergency funds, the major differences is that a reserve funds is meant to be money set aside for a planned expenses like buying the dip while an emergency funds is meant to take care of an unexpected event and they both different from each other, while a reserve funds can go along way in maximizing buying opportunities if readily available, the emergency funds is there to cover unforseen circumstance that may lead to selling our Bitcoin to solve our unexpected expenses.