It’s time and commitment for sure. On the mental side - 30s is still young. Most US academics and doctors are barely out of grad school at 30 and their careers (which involve continued learning) are just starting.

Approach it differently as a salaried adult. You can pay for better tuition on your own schedule.

But you can find time. I listen to Michel Thomas or other courses while I’m walking to work. Put on headphones and ignore other people, they aren’t listening to you anyway. Other things like flash cards you can do any time you’ve got 10-15 mins.