Before I started T, I wondered if I ever would..
It didn't take me long after finding a therapist though. I was extremely lucky in finding someone as wonderful as I did. I would love to go back to her one day. I was her first trans patient as well, so don't be discouraged if you find someone that has never worked with a trans person before. Some are INTERESTED and WILLING to help you. You just have to look.
I would say first analyze WHY you aren't able to start Testosterone right now, and make a check list of ways to rectify each and every reason that is preventing you from accomplishing what you want.
I have no money. I'm dirt poor. I live off of 8,000 dollars a year total. For rent, food, bills, meds, etc. I'm broke. Surgery is a long step for me, but I'm doing what I can in the meantime..
Saving every dime that I can, working out for best chest results, and trying to get through school.
Stay busy and chin up