I'm 28 and my doctor is talking about it. There is still controversy about whether a high 'cholesterol' level is bad for your heart; see Diet Delusion by Gary Taubes or The Great Cholesterol Con by Dr Malcolm Kendrick.
Doctors talk about cholesterol levels, but in fact its not cholesterol they measure, its lipoproteins - LDLs and HDLs. That they refer to lipoproteins as cholesterol implies to me that they are still clinging on to the idea that cholesterol is bad for you. There are many studies involving hundreds of thousands offir people that contradict the cholesterol and lipoprotein hypothesis.
The cholesterol hypothesis has been, from what I've read, been discredited. The best thing you can do to reduce risk of heart disease is to exercise, not smoke and not worry about 'cholesterol'.
I urge you to read the books above, the one by Kendrick is very readable; Taubes is more comprehensive.