Pea sized lump on gooch, or bottom of rectum ?

I just noticed a small lump about the size of a pea , its right at the bottom of my rectum & on the gooch, pretty much where they connect , any clues what it is ? It's not painful , idk how long its been there cause it doesn't cause any discomfort , I can't see a doc cause I have no insurance right now , help me out please