Correct, it is not to late for them!
They would rather make excuses instead of improving their situation.
@lizard My favorite was the excuse I was given yesterday. Told this guy about Bitcoin much much lower than it is currently. I suggested that he's still early if he wanted to get in. He then states "its ok, I have my stocks" 🤦🏻♂️. Felt like asking him if he's at least getting 15% per year just to break even but I let it go. Some are hopeless.
@lizard The salt pile is huge on the non-coiner side. They still don't grasp how early it still is.