That is not late, and it sounds like you're just boasting to be honest. You are WAY ahead of the curve for most people on this planet.
If I started at 21-22 I'd be able to save an extra $1-2M by retirement, so yes, it is late when you're optimizing for financial independence.
Why stop at 21? Those who started at 18 had 3 extra years to make money?
OP wasn't asking about financial independence. Your post is unnecessarily dramatic for the sake of talking about how well off you are. I mean you JUST created an account to post about it.
To be honest if you're making minimum wage in the USA, you are also way ahead of the curve for most people on the planet.
But yeah, people in this thread are doing a bit better than most people in America!
I heard the other day that 2/3 to 3/4 of Americans are living paycheck to paycheck and could not afford an unplanned $500 expense.