We are still early.. and there is no way to turn back the clock to make up for any mistakes that you made by not getting started earlier or not being as aggressive as you should have had been earlier. So, each of us decides from today in regards to how aggressive that we are able to be in regards to our bitcoin accumulation without over doing it.
Even though it might seem like we are late into bitcoin investment yet starting is much more better way to cope without our regrets, yeah of course bitcoin was cheaper in the past when we didn't grasp the opportunity but then today is cheapest we can get it because bitcoin is still going to move much high in the long run even though it's not guaranteed yet there is a high chance for bitcoin compared to another investments.
Perhaps if one have much capital to start his investment then front loading or bitcoin investment is much encouraged but however not much of us here will be able to front load then having to examine our personal financial situation using the
9 principle individual factors will be a good step in order not over do it.
You don't need to have too much before start investing in Bitcoin, the most important thing is that you have what you can start with no matter how small you start building up your portfolio using your DCA strategy, self determination and one being focused also helps in achieving your aim of investment, you don't need to have the whole money that you feel will be very convinent in as much as you have a monthly inflow,then you set your budget.