im just using a very low end yamaha keyboard with touch response in my room for practising.. but for beginner, i guess it's sufficient with all the function provided.. some keyboards even come with 'hammer action' ( if im not mistaken ) that kinda give u the feel of playing the piano.. oh ya, is there any difference between the keyboard with hammer action with the digital piano?

Nothing is too late man.. well u have a keyboard, at least u still can practise while u r at home.. practise is the key to improve and master it.. imagine lastime when i was small, i don't have anything, just solely depend on the 1 hour lesson weekly..