Probably action is better than saying anything, and I doubt that you are late adopters. You are just a bit later than some of the folks who came earlier than you.
What you should do is get the fuck started as soon as possible and start buying regularly and otherwise study the space, then in 4-10 years or later, you will probably be in a very good place both financially and psychologically, even though it is not guaranteed that you will be in a good place, but at least bitcoin is amongst the best of investments if not the best investment, so it likely would be worth your time to figure it out so you are not whining and envious but instead proactive and building your stack as well as you can within your own abilities.
Stacked as much as I could at 50k to 70k range but I still feel the lateness
which i gat no choice in the first place 
