Many of the people here feel they are late to the game,
I was talking to someone last month that had no knowledge of crypto. He asked me the same thing, "Am I too late?"
Honestly, this is a great question to ask. How could Bitcoin possibly gain significant value after going from $0 to $20k?
This kind of thinking is rooted in the old paradigm. Look at what crypto is trying to do. Has it accomplished its goal? Are we even close to doing so? No.
Smart-money has a long long long way to go.
It is a great question to ask and the answer is always going to be no. The reason is that in the future when crypto is commonly traded and used, it will be much like cash. No one asks, "is it too late to earn money to spend?" There will come a point where buying doesn't lead to wealth, but it can always lead to financial control.