Nothing! There are no penalties for not attaining a goal. The money you have made thus far is all yours to keep. There are no deadlines as to when you are supposed to reach your goals.
Some creators reach their first goal in 10 minutes and others will reach it in a year or so. As a best practice, we suggest making smaller, more attainable goals at first.
That said, you can edit or delete your goals at any time! Visit this help guide for more information about that: Edit my Goals
Learn more about goals here: How do I set my Goals?