I don't understand the question? You are asking if it is too late to use money.

No. you can use money whenever you like.
The OP is seeking an advice whether it is too late to buy bitcoin, he might want to ride on a train with currently price versus previous BTC price. Anyone wants this answer as it is an equivalent to an easy money, however, there is no easy money nowadays.
I guess I get where that's coming from, but keep these fact in mind.
Bitcoin was not envisioned as an investment. You can, but it is really just money.
Nobody knows the future, bitcoin could be 10x the price by next year or not.
Those wanting to enter the BTC economy can do so at any time and for very little money.
"Bitcoin is too expensive" is an argument based on misunderstanding. It is like saying gold is too expensive because you saw the per Oz. price. Well an Oz. is an arbitrary amount of gold just as 1BTC is an arbitrary amount of bitcoin.