Too late for what? 

If you slept through your 26th birthday, it's too late for you to experience that. It's too late for you to watch "LOST" in its premiere broadcast. (Though, honestly, you didn't miss much.) It's too late for you to fight in the Vietnam War. It's too late for you to go through puberty or attend nursery school. It's too late for you to learn a second language as proficiently as a native speaker*. It's probably too late for you to be breastfed. 

It's not too late for you to fall in love. 

It's not too late for you to have kids.

It's not too late for you to embark on an exciting career or series of careers. 

It's not too late for you to read the complete works of Shakespeare; learn how to program computers; learn to dance; travel around the world; go to therapy; become an accomplished cook; sky dive; develop an appreciation for jazz; write a novel; get an advanced degree; save for your old age; read "In Search of Lost Time"; become a Christian, then an atheist, then a Scientologist; break a few bones; learn how to fix a toilet; develop a six-pack ...

Honestly, I'm 47, and I'll say this to you, whippersnapper: you're a fucking kid, so get over yourself. I'm a fucking kid, too. I'm almost twice your age, and I'm just getting started! My dad is in his 80s, and he wrote two books last year. 

You don't get to use age as an excuse. Get off your ass!

Also, learn about what economists call "sunk costs." If I give someone $100 on Monday, and he spends $50 on candy, he'll probably regret that purchase on Tuesday. In a way, he'll still think of himself as a guy with $100—half of which is wasted. 

What he really is is a guy with $50, just as he would be if I'd handed him a fifty-dollar bill. A sunk cost from yesterday should not be part of today's equation. What he should be thinking is this: "What should I do with my $50?"

What you are isn't a person who has wasted 27 years. You are a person who has X number of years ahead of you. What are you going to do with them?

---

* What I'd intended as a throwaway comment, about the difficulty of second-language acquisition after childhood, has generated interest and disagreement. I will admit upfront I am not an expert on the matter, and was mostly informed by research I'd read about. 

It claimed there's a window of childhood, after which the brain stops being able to hear certain sounds—one's not used by a child's native language—which is why it's so hard to learn to speak a second language without an accent. Some people may master it, but not many. (How many people do you know, after 25, learned a foreign language and can speak it so well, natives have no idea they're listening to a foreigner?) It's also challenging to learn all the idiomatic expressions that native speakers have known since they were small children. 

However, since having written this answer, I've learned that the Science behind this is very controversial. As I'm not an expert, let me refer you to the wikipedia article (and it's linked resources). 

"In second-language acquisition, the strongest evidence for the critical period hypothesis is in the study of accent, where most older learners do not reach a native-like level. However, under certain conditions, native-like accent has been observed, suggesting that accent is affected by multiple factors, such as identity and motivation, rather than a critical period biological constraint (Moyer, 1999; Bongaerts et al., 1995; Young-Scholten, 2002)."Too late for what? 

If you slept through your 26th birthday, it's too late for you to experience that. It's too late for you to watch "LOST" in its premiere broadcast. (Though, honestly, you didn't miss much.) It's too late for you to fight in the Vietnam War. It's too late for you to go through puberty or attend nursery school. It's too late for you to learn a second language as proficiently as a native speaker*. It's probably too late for you to be breastfed. 

It's not too late for you to fall in love. 

It's not too late for you to have kids.

It's not too late for you to embark on an exciting career or series of careers. 

It's not too late for you to read the complete works of Shakespeare; learn how to program computers; learn to dance; travel around the world; go to therapy; become an accomplished cook; sky dive; develop an appreciation for jazz; write a novel; get an advanced degree; save for your old age; read "In Search of Lost Time"; become a Christian, then an atheist, then a Scientologist; break a few bones; learn how to fix a toilet; develop a six-pack ...

Honestly, I'm 47, and I'll say this to you, whippersnapper: you're a fucking kid, so get over yourself. I'm a fucking kid, too. I'm almost twice your age, and I'm just getting started! My dad is in his 80s, and he wrote two books last year. 

You don't get to use age as an excuse. Get off your ass!

Also, learn about what economists call "sunk costs." If I give someone $100 on Monday, and he spends $50 on candy, he'll probably regret that purchase on Tuesday. In a way, he'll still think of himself as a guy with $100—half of which is wasted. 

What he really is is a guy with $50, just as he would be if I'd handed him a fifty-dollar bill. A sunk cost from yesterday should not be part of today's equation. What he should be thinking is this: "What should I do with my $50?"

What you are isn't a person who has wasted 27 years. You are a person who has X number of years ahead of you. What are you going to do with them?

---

* What I'd intended as a throwaway comment, about the difficulty of second-language acquisition after childhood, has generated interest and disagreement. I will admit upfront I am not an expert on the matter, and was mostly informed by research I'd read about. 

It claimed there's a window of childhood, after which the brain stops being able to hear certain sounds—one's not used by a child's native language—which is why it's so hard to learn to speak a second language without an accent. Some people may master it, but not many. (How many people do you know, after 25, learned a foreign language and can speak it so well, natives have no idea they're listening to a foreigner?) It's also challenging to learn all the idiomatic expressions that native speakers have known since they were small children. 

However, since having written this answer, I've learned that the Science behind this is very controversial. As I'm not an expert, let me refer you to the wikipedia article (and it's linked resources). 

"In second-language acquisition, the strongest evidence for the critical period hypothesis is in the study of accent, where most older learners do not reach a native-like level. However, under certain conditions, native-like accent has been observed, suggesting that accent is affected by multiple factors, such as identity and motivation, rather than a critical period biological constraint (Moyer, 1999; Bongaerts et al., 1995; Young-Scholten, 2002)."https://www.quora.com/I-am-in-my-late-20s-and-feel-I-have-wasted-a-lot-of-time-Is-it-too-late-for-me-to-achieve-something-worthwhile/answer/Marcus-Geduld?srid=puYj&share=0629a0f9

                                       

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