There is nothing that should stop you from doing what you love.
Life is too short to live in regret, so stop making excuses and dive straight in there! You may be busy, you may be encumbered with responsibility, you may be limited by ill health, but no obstacle should stand in the way of your goals. Many writers suffer great hardship to create their work.
Other writers, however, have a relatively easy ride. I am among this group of writers, who have very little responsibility and can devote a lot of time to their craft. But regardless of how much spare time you have, you can always put some time aside for your hobbies, even if it’s just a few minutes per day. A long-term project like a novel requires patience and persistence to complete, so all writers need these qualities.
Another thing that shouldn’t hold you back is what other people think of you. Don’t worry about the opinions of others… you don’t need their praise or approval. You should write because you want to, not to impress your peers! So if you’re new to writing or you’re an existing writer who is doubting themselves, then please do not worry. Deep down, you know what you want to do with your life and you should not be embarrassed by this.