you are correct, it's never too late to start. I have started cyrptocurancy on June this year and @theguruasia is the one who help me for my journey. And not only that credit goes to him for introducing me to Steemit. I am not a big investor but I have learn a lot about this market and with experience I will invest more in future, everything cannot be achieved in short time.
Hard work, dedication and commitment will drive you to the success .
Cheers!