Probably not much. Spina bifida oculta is often an x-ray finding that causes no major symptoms. However spina bifida can cause symptoms such as weakness of the legs and bladder problems and occasionally a characteristic loss of the sensation in the so called 'saddle' area.
Probably none. Spina bifida occulta is a bony abnormality. It is most often diagnosed as an incidental finding when evaluating back pain. If you have not evidence of a tethered cord, usually bladder or bowel problems by this age, do not expect any problems in the future.
No. This will generally cause no symptoms or problems for you in the future.