I thought I missed it for a several years till I heard 'one of those jacks' (  nostr:npub15879mltlln6k8jy32k6xvagmtqx3zhsndchcey8gjyectwldk88sq5kv0n) say  something about early adopters of bitcoin, and noted "and there's still time to be one'. 
He then went on to discuss what percentage of techies and what percentage of anarchists etc had bitcoin. A small segment, of small demographics.
For the other old-heads like me, it's like bitcoin is at the "scrreeeeech screech... you've got mail!" segment of it's existence. 
So yea, in all likelihood you'll end up with less value in bitcoin than Jack or Jack or Jack, but it's still the BEST asset you can hold, and there's absolutely NO reason not to start now.
Sure, you missed something... but you'll STOP missing as soon as you start converting your fiat to bitcoin.