but I don't know how much it costs to cover your expense, for example, going to clinic to do regular check and delivering the baby. maybe you can buy medical insurance before you are pregnant, otherwise I guess insurance company may not cover the cost for you to have a baby. the last thing is that I think 32 is still a good age to have baby, at 30 you are still young! and many ladies here do have first babies after 30 years old.
don't worry about it too much, take care.