If you already created the l2tp tunnel and it is connected then all you will need to do is decide who can use the vpn, will it be anyone connected or specific users.
If its everyone you can tick add default route on the l2tp interface and just add a src nat rule on that interface and you should be good.
If you want to route only clients connected on wlan you will need to add routing marks to those packets and create a default route using the mark and use the l2tp interface as the gateway.
If you want a useful answer, go to the terminal window of your Mikrotik and post here the output of command “export” after replacing all sensitive information by xxxxxxxx.
Right now I can only guess by the symptoms that you haven’t configured any IPsec proposal and that the default one doesn’t contain a common encryption and/or authentication method with the remote peer.
Other than that - your “L2TP” account is probably an “IPSec over L2TP” one, and it is intended for a single IP address assigned to your device by the remote peer to which you connect.
Therefore, if you wish to let more than one device connect via that account, you have to configure a srcnat rule so that all packets from these devices would get their source IP address changed to the one your Mikrotik got assigned from the remote peer.