At your  30s and you have not structured your financial goal and not bothered about it is not advisable, you should be troubled in the mind and don't think there is still enough time for you because the moment you think you still have enough time will find you on your retirement age where you have got nothing good achieved.
Then you will be worned out from your youthful energies where you were mentally and physically fit to hustle and get your dreams structures in place and Actively making counts of your financial achievements.
It is always better to prepare ahead of time because delay can be dangerous.