No it never to late many people still believe it's not too late to build up bitcoin, but the mindset matter alot, a year ago people could buy whole BTC cheaply and you can see today how the price is higher, so most people focus on accumulating small amount over time instead of chasing, so don't invest money you can't afford to lose or need urgently and avoid pressure from social media hype or fear of missing out.
No doubt, time is of the essence and it's our priority to make sure we're eating good profits in the market. I agree, it’s never too late, but timing alone isn’t the main thing,
mindset and consistency matter more. A year ago people could buy a whole BTC at a lower price, and today we’ve seen how much it has grown. That’s why many focus on accumulating little by little instead of chasing pumps. Invest wisely, avoid using money you can’t afford to lose, and don’t let social media hype or FOMO pressure you into decisions.
I had to take note of mindset and consistency cause those are very important for Bitcoin accumulation currently, the market is volatile and price higher than the early years so people who are starting now would have to make up their mind to maintain discipline so they'll reach their goal else they'll end up being investors with a traders mentality.
Instead of saying "money you can't afford to lose" you should've used discretionary funds so people don't confuse it for gambling, the discretionary funds is different from money that one can't afford to lose, it's an extra cash that's left after spending on essential things and it's more suitable for investment.