No! If you're thinking about investing in companies producing artificial intelligence tools, then you're certainly not too late to the party - AI is going to have a transformative impact on businesses for years to come. In terms of using ChatGPT to make money, it's also not too late - new ways to do so are cropping up all the time. However, it's not an easy process - you'll still have to put effort into building a website or creating a YouTube channel if you want to use ChatGPT to make money.