I'm taking care of a Dracaena Lemon Surprise potted plant that I've had for roughly a year. Overall it seems to be doing really well; its top, newer leaves are vibrant and dark green with no discoloration (the bottom leaves have some discoloration - burnt brown tips and some light colored spots on the leaves).
I keep it in a mason jar as pictured below, mainly to catch the water as it drains. I don't throw out that drainage water, I just let it sit there. I only water it when it becomes fairly dry on top.
I took it out of the mason jar today because it wasn't draining at all after watering like it normally does, and noticed this root growing down and resting in the drainage water. I also noticed some bad looking white fungi growing around the drainage holes. Is this bad? What should I do about this?