I believe that , there is no better time to start than now, if you weren't privilege to start earlier then start now . You can even make more than the people you think know it all or have it all.
Anything you do majority of it depends on determination, when you are determined to do a thing, it almost have done , so for me no time is too late to start, bro start investing now.
It's better for one to come late than never to tap and join forever. Those who stay and use the rest of their time to blame themselves for why they did not join the train before it started moving will end up watching the train leave them, while some will still be able to join the moving train which they will come out with something. It's not always about who starts first but about how determined the person is about what they just got started on. If someone has the money, they can achieve whatever they want.