It's never too late. Yes, buy. But buy in small increments regularly over time (say 10$ weekly or $50 monthly or whatever disposable income you're willing to let go into the future and WILLING TO LOSE FOREVER). It's the perfect instrument for dollar cost averaging.

But most importantly when you've got your automatic setup going at a reputable exchange FORGET ABOUT ALL CRYPTO. Turn off all your alerts, ignore the news. Then when you're ready to retire look up your BTC investment.