Since we would be inside the frame of reference, I don’t think we would know it was happening, like imagine you’re inside a tube that is knotted. You’d go through the tube like a slide at the water park, no way to see that it’s a knot, even if we can detect the turning and tumbling, there’s little we can reference from inside to determine it’s crossing around itself.
Congrats! I did a poor job managing finances in my 20s so it wasn’t until last year that I reach my first unclaimed $10k in savings. So don’t be embarrassed, you’re ahead of a significant number of your own age group.