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.
This is an eye opening generation so whoever that has been hoping for a financial rescue by the government is at it dream land. There is an adage that says when you get it done earlier when there is enough time, you will have the rest of the time for resting while those who exhausts their time of work on meaningless things will later become late comers and don't be surprised that they will be unable to finish it up why because there is no more time given.
This thought should upright the youths not just work to earn and sustain in their youthful ages but as well prepared against their retirements at when they grows old with no enough energy to handle mental or muscular stress anymore.