If you’ve passed your 30th birthday and feel like a screw-up because your financial situation is kind of a mess — you’re not alone. A new OnePoll survey for BOK Financial finds the average American doesn’t have a,”financial awakening” until age 33. The different types of “financial awakening” include a sudden drop in income caused by losing your job or having your hours reduced, named by 23 percent, loss of income or higher expenses due to “health events,” cited by 18 percent, and recognizing the effect of your spending or savings practices, named by 15 percent. The survey also found that while the average respondent would like to retire by age 57, 20 percent hadn’t even started saving for it, and that 43 percent said they’re “afraid” to look at their checking or savings account balance. Now admit it, knowing all this isn’t going to help much, is it?