Occasionally anti-freeze can turn into gunk. Well, actually the antifreeze actually reacts with the radiator’s release agent and it turn into thick floating gunk. This can be problematic but it only needs replacing before issues are caused.
If you’re not mechanically minded then you should have a garage release the antifreeze from the vehicle, completely flush out the radiator with clean water, and then replace the antifreeze. It’s a common problem on many vehicles and it’s just likely changing your oil, it’s common task but it’s not life threatening if you spot it early.
Even if your radiator antifreeze is not gunky, having it changed can be beneficial, especially if you have not carried out this type of maintenance work over the past few years.