don't worry about the bad financial decisions.. we've all been there. And you are most definitely NOT too late. This party is JUST getting started! I see total crypto market cap currently at $88billion heading toward $1trillion within the next couple years! The fiat debt-based system is about to collapse so USD debts will be much easier to pay back in the near future. Here is a list of my Top 10 cryptos. Welcome to Steemit!
https://steemit.com/cryptocurrency/@cryptosphere/top-10-cryptos-of-the-future-july-29-2017-a-weekly-ranking-of-the-best-place-to-put-your-money-in-the-cryptosphere