It just looks like a fatty abscess to me. A vet check wouldn't hurt, but I don't think it's life threatening. A friend of mine has a ghost male that has one. Hundreds of dollars at the vet and it's still there. I'm not saying that this is what it is, but I'm pretty sure. When you go to get her, push on it a little. If it doesn't seem to hurt her and it's not solid and hard then that's most likely the issue.
Vet checkups are usually around 40-60 and it's always a good thing to do regardless of noticeable health issues.
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