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.
The last statement is true if you start seeking for your goals in your early stage opportunities are widely open, and the best thing is you'll be able to enjoy everything that you plant ahead of time, when you harvest things out you are still in your early age as well, you have all the priveledges to enjoy everything that's you gain from the sacrifices that you done.
It impacts the efforts that you did and if you find that success then you'll be able to provide decent life for yourself and for the family that you've got.