Armpit and Back Pain at lump side - 27 yo Worried!

Hi everyone,

First of all, my mom died from Stage 4 breast cancer. So I have history.

When I was 19 years old, I had eczema on my right nipple/areola. It eventually went away with steroid creams and hasn't come back since.

Some time when I was 21, I think I felt a lump on that same side by accident. I've always had annual breast exams in our annual college physical but I never actually did it myself. I tried to feel my left boob and there seems to be a similar lump but not as prominent. It was squishy (felt like very thick veins) and I wasn't really sure because I feel that my boobs are lumpy in general. Sometimes I could feel other lumps but sometimes I can't. My right boob (problematic side) is a little bit smaller so I'm not sure if that's one of the reasons why I feel lumps more prominently.

Ever since then I've had two physical breast exams and none of the examiners seem to have noticed the lumps. When I expressed my concern once, the GP told me it's "probably fibroadenoma" and to just observe if it gets any bigger.

Fastforward to 6 years later (27 years old today).. around 4 to 5 months ago. I've started feeling achy on my right armpit (problem side) that radiates to the right side of my back. I also feel sore on my right butt bone. I don't feel it most part of the day but there are times where it worries me. It's a very dull and light ache that is not constant. My boyfriend is telling me that it's probably because I sleep on my right side, so I have been sleeping on my left the past few months but the achiness is still there. I had a clear physical and chest xray 2 months ago which showed nothing but I know bone mets are barely detectable there.

I'm very worried now that my breast lump/eczema/etc is actually BC that has metastasized to the armpit and bone! But my breast lump has not changed ever since. Actually there are still days where I can barely find it. Is it possible for a 6 year lump to not grow (in a palpable way) but actually spread to my bones? I do remember my mom's lump, it was hard like a carrot had ragged edges and grew very quickly.

Now I know what you're all thinking, why haven't I gotten myself checked. Now this is my dilemma. I come from a 3rd world country, and I actually support my father. If I get diagnosed now, I would need to stop working (which is most of the source of our household income) and get treated right away which is almost a death sentence for me because I can't afford it. My health insurance can afford only 1 chemo treatment because the coverage is so small. When my mother was diagnosed 10 years ago, treatment had drained my father's savings and left us with a big debt but she died anyway. So I am actually waiting until I get my Christmas bonus and some commissions at the beginning of the year before I actually get myself checked... I'm planning on delaying an ultrasound until February unless I feel worse.

I'm actually posting here for a bit of support, please don't ostracize me for not being proactive in doing tests. It's really difficult for me financially.