So I'll just dump everything I've fucked up on. The first 2 years I was transitioning I had access to insurance that would've covered a large portion of SRS, but I didn't have the self discipline to save enough to pay for it and just kinda thought I'd work it out sooner or later, then I lost access to it. I also stopped doing electrolysis partly because of the pain and because I couldn't stand to grow my facial hair out when I wanted desperately to start presenting female and blend and be attractive and now 4 years HRT, full time, and stealth at work I am still not entirely finished with facial hair removal. I unintentionally prioritized things like clothing, make-up, and bullshit like weed and alcohol over saving for things I really want. I've also failed at quitting smoking cigarettes over and over going back and fourth between nicotine patches, e-cigs, and cigarettes, which is having a permanent effect on my voice. Even with my shit show of bad decisions though I went full time a long time ago, blend, have a pretty decent voice, and am on and off reasonably happy. My biggest problem is my depression and anxiety waxes and wanes and I have not been able to fully shake it so so far any time I find the strength to discipline myself I usually end up taking a step back sooner or later.

So if we're being completely honest, it's not just you and I don't think you're always getting the full picture just based on timelines and snippets of people's lives. I think it's like social media, everyone looks like they're having a great time, but the real story is more complicated and less glamorous. Personally I've made a lot of progress, but if I had more discipline and let my emotions and anxiety rule me less often I'd probably be "done" with transition in pretty much every conceivable way.