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 while an emergency funds is meant to take care of an unexpected event like car repairs and medical bills which can happen at anytime and they are 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 that may arise along the line of our accumulation journey.
Every investors and traders ought to have a reserve fund so in case of an need for that. Many people that called themselves traders and investors have lost money in the market and have not reserved fund to fall back to so they can keep trading or investing. Anyone can loss when investing which is why it's good to invest in projects that are trusted. Traders are the ones that are likely to fall to this kind of issues because they are opened to greed. We can make money in the crypto market and still lose depending on the kind of investors that we are and what we are investing in. There are some projects you might invest in that might not be profitable which is why it's good to have a backup funds when the need arrives.